What Is Non-Standard Auto Insurance?
Non-standard auto insurance is a policy that can help individuals who are high risk. This is a term used by insurers to classify those drivers who may not qualify for lower rates on policies. Sometimes, these drivers have difficulty obtaining insurance at all. This is usually due to previous claims or driving records.
It is important to know that some insurance agencies still work with these drivers. It will likely cost more. It may be harder to obtain. However, most drivers will find options available to them.
Who Needs Non-Standard Car Insurance?
Most drivers do not need this. Drivers who have a few points on their license are not likely to need it. Other drivers with more serious infractions may. Here are some examples of those who may need to secure a non-standard auto insurance policy:
- You need an SR-22. This is a type of document sent to the Department of Motor Vehicles in your state. It more or less shows proof you have insurance. This rule occurs when you have a conviction of a serious nature. This might include a DUI or reckless driving.
- You have a salvage title. This means the vehicle may not be in good condition. It may be hard to insure. Non-standard insurance here does not mean you will automatically pay more. It means that you may have limitations on the type of insurance available to you. For example, you may not be able to access comprehensive car insurance.
- You are not the owner of the vehicle. It may be possible to insure yourself without actually owning a vehicle outright. This can help you to operate a vehicle legally and with less risk.
You may need a non-standard auto insurance policy if you are a high-risk driver for any other reason. This might include numerous driving violations. It may include many auto insurance claims. Any time an insurer labels you a high-risk driver, you may need to get high-risk insurance. This is a non-standard policy.
The good news is there are car insurance companies that provide non-standard policies. Not all insurers do, still, some companies specialize in these policies. This can make them a good fit since they understand your need. More so, you may not always remain here. You may be able to obtain a standard policy again after your points improve. Work with us to ensure you have proper coverage that reflects your risk level. Call us to 713-771-2626 for a non-standard Houston auto insurance quote.