Non-Standard Car Insurance

Non-standard auto insurance is the insurance product designed for drivers who can't qualify for standard auto insurance due to an adverse driving record, driver age, lapse in coverage or a non-standard/high performance vehicle.

A high-risk driver could be someone that has a serious violation, such as a DUI or careless driving, on their driving record. Drivers may have problems qualifying for standard auto insurance if they have too many chargeable accidents or too many tickets in the last 2-3 years.

Teenaged drivers are regularly placed in the non-standard auto products. Teenaged boys have the worst safety records and get the most tickets. Teenaged girls fare better on rates, but are still usually classified as non-standard drivers. It's always best if a teen can get coverage through their parent's policy. But most times, having a teenaged driver on Dad's policy means all of his cars are rated higher due to the teen rating. Having Junior on his own policy with his own car can save Dad hundreds of dollars.

The nonstandard market can be used by drivers who have a below-average driving record or drive high-powered sports cars or high value cars. Drivers who don't meet the qualifications for a standard auto policy will be forced into a non-standard auto insurance program, at least for a time until their driving record improves.

Non-Standard Car Insurance

Insurance companies usually look at driving records for 2-3 years to determine the driver's risk. However, a DUI may stay on your driving record for up to 10 years.

Sometimes a person who has not maintained continuous coverage on his vehicle will be placed into the non-standard program. The insurance company figures that the person was probably driving without insurance for a period of time, which is high-risk behavior.

So, if you find yourself placed in a non-standard car insurance program, drive carefully...which you should do anyway. Then, get new insurance quotes each year to see if your driving record qualifies you for standard rates.

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