What Is Non-standard Auto Insurance?
Non-standard auto insurance can help provide appropriate coverage for drivers who may have difficulty getting insurance through traditional insurers. It is specifically designed to accommodate individuals with unique circumstances that classify them as higher risk. These circumstances can include factors such as a history of accidents, traffic violations, lack of prior insurance or even driving a non-standard vehicle.
Contact Auto Insurance Discounters today. Our agents work with multiple insurers specializing in providing appropriate coverage to drivers who don’t qualify for standard auto insurance coverage.
Who Needs Non-standard Auto Insurance?
Non-standard auto insurance is crucial for drivers who can’t get standard insurance because insurers classify them as high risk.
Most commonly, drivers with DUI convictions, numerous traffic violations, or multiple at-fault accidents, may be classified as high-risk.
For these drivers, non-standard auto insurance provides an option to ensure compliance with state legal requirements.
How Is Non-standard Auto Insurance Different From Standard Auto Insurance?
Non-standard insurers may accommodate drivers with challenging histories or unique vehicle needs that may not meet standard insurance criteria.
Premiums for non-standard auto insurance are typically higher than standard insurance due to the risk associated with insuring higher-risk drivers. The cost reflects the insurer's assessment of potential claims based on driving history.
Does Non-Standard Insurance Cover the Same Risks as Regular Auto Insurance?
Non-standard auto insurance generally covers the same risks as regular auto insurance, including liability, collision, and comprehensive coverage. The main difference lies in the policyholder’s risk profile, which affects the cost and availability of coverage. While the coverage types are similar, non-standard policies may offer fewer customization options and come with higher premiums.
Can I Get Non-Standard Insurance If I Don’t Own a Car?
You can get non-standard insurance even if you don’t own a car by purchasing a non-owner car insurance policy. This type of coverage provides liability protection when you drive vehicles that belong to others, such as rentals or borrowed cars. It’s beneficial if you’re considered high-risk and must maintain continuous coverage or meet legal requirements like filing an SR-22.
How Does Non-Standard Auto Insurance Work?
Non-standard auto insurance works similarly to standard insurance but is tailored for high-risk drivers due to factors like poor driving history, lapses in coverage, or low credit scores. Insurers assess your risk and offer coverage through specialized policies, often at higher rates and with stricter terms. It allows high-risk drivers to meet legal insurance requirements.
How to Get Non-standard Auto Insurance in Independence, MO
Missouri drivers who need non-standard auto insurance should contact Auto Insurance Discounters in Independence, Missouri. Our agents can help you explore your auto insurance options to find coverage to meet your needs at favorable rates.