Who Needs Non-standard Auto Insurance?

Non-standard auto insurance is coverage designed for drivers who may not qualify for standard policies due to various factors. Understanding who needs non-standard auto insurance can help you determine if this type of coverage is right for you.

High-risk Drivers

Non-standard auto insurance is often necessary for high-risk drivers. These are individuals who, for various reasons, are considered to pose a higher risk to insurance companies. Factors that can contribute to a driver being classified as high-risk include a history of traffic violations, accidents or driving under the influence (DUI) convictions. New drivers or those with a lapse in insurance coverage may also fall into this category.

Obtaining standard auto insurance can be challenging and expensive for high-risk drivers. Insurance companies may either deny coverage or charge significantly higher premiums. Non-standard auto insurance provides a solution by offering coverage tailored to the needs of high-risk drivers.

Drivers With Unique Circumstances

Non-standard auto insurance is also suitable for drivers with unique circumstances that make it difficult to obtain standard coverage. For instance, non-standard auto insurance can benefit drivers who own high-performance or modified vehicles. These vehicles often require specialized coverage due to their increased risk of theft, higher repair costs and greater potential for accidents.

Learn More

Contact Bolt Insurance to compare non-standard auto insurance quotes from top area insurers.

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.