Top 5 Reasons You Might Need Non-standard Auto Insurance

Auto insurance is essential for protecting yourself and others on the road. While standard auto insurance policies cover most drivers, there are situations where non-standard auto insurance might be necessary.

Poor Driving Record

Insurance companies often consider drivers with multiple traffic violations, accidents or DUI convictions as high risk. As a result, they may not qualify for standard policies and need to seek non-standard coverage to ensure they are legally insured.

Coverage Lapse

If you’ve had a gap in your insurance history, whether due to financial difficulties or simply forgetting to renew your policy, you might be required to obtain non-standard insurance to get back appropriate coverage.

Inexperience

Young or inexperienced drivers often need non-standard auto insurance. New drivers, especially teenagers, are considered high-risk due to their lack of driving experience. Insurance companies may charge higher premiums or offer non-standard policies to cover the increased risk associated with insuring young drivers.

High-performance Vehicles

Sports cars, luxury vehicles and heavily modified cars are typically more expensive to repair and replace, making them riskier to insure. Standard insurance policies might not provide adequate coverage for these types of vehicles, necessitating non-standard insurance to ensure proper protection.

Low Credit Score

Many insurance companies use credit scores as a factor in determining premiums. A low credit score can indicate financial instability, leading insurers to classify you as a higher risk. As a result, you may need to seek non-standard auto insurance to obtain coverage.

Learn More

Contact Auto Smart Insurance today to compare non-standard auto insurance quotes. Our team can help you get appropriate coverage at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.