What You Need to Know About Nonstandard Auto Insurance

Due to a driving history with traffic violations or convictions, not all drivers qualify for a standard auto insurance policy. In such cases, nonstandard auto insurance may help provide state-required coverage. This policy is for those who might be considered higher-risk by insurers. Though the coverage options may be similar, the eligibility criteria and pricing often differ. If you’ve had trouble finding a standard policy, nonstandard auto insurance may meet your needs.

Who Needs Nonstandard Auto Insurance?

You might need nonstandard auto insurance if you’re in any of the following situations:

• You’ve been convicted of DUI or reckless driving.

• You’ve had multiple traffic violations or at-fault accidents.

• Your license has been suspended or revoked in the past.

• You own a high-performance or modified vehicle.

• You let your insurance lapse or have gaps in coverage.
• You’re required to file an SR-22 form.

How Do I Get a Policy?

Getting a nonstandard policy isn’t much different from getting a traditional one. Start by gathering your driving history and vehicle details. Then, request quotes from insurers that accept high-risk drivers. Many larger insurance companies offer nonstandard options, but some work through agents, such as Bolt Insurance. Be ready to provide documentation such as court records or license reinstatement notices.

How Much Does Nonstandard Insurance Cost?

Rates for nonstandard auto insurance are typically higher, and several factors affect the cost:

• Driver’s age

• Driving record and violation history

• Type of vehicle

• Location and ZIP code

• Length of driving experience

• Prior insurance history
• Credit score

Get Covered Today

If you hit a bump in the road with your auto insurance, Bolt Insurance can steer you toward the coverage you need. Contact us today to learn more.

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.