Non-standard Auto Insurance in Citrus Heights, CA
Non-standard auto insurance is designed for drivers considered higher risk by insurance companies. These drivers might have difficulty obtaining coverage through traditional means due to factors such as:
- Poor driving record—This includes multiple traffic violations, accidents or DUI convictions.
- New or young drivers—Inexperienced drivers often fall into the non-standard category.
- Lapsed insurance coverage—Drivers with a gap in their insurance coverage may need non-standard policies.
- High-performance or modified vehicles—Cars that are expensive to repair or replace can also require non-standard insurance.
Coverage Options in Non-standard Auto Insurance
While non-standard auto insurance policies can vary, they typically offer similar coverage options to standard policies, including:
- Liability coverage—This may help cover bodily injury and property damage to others if you are at fault in an accident.
- Collision coverage—This may help cover the cost of repairs to your vehicle if you are in an accident.
- Comprehensive coverage—This covers damage to your vehicle from noncollision incidents, such as theft, vandalism or natural disasters.
- Uninsured/underinsured motorist coverage—This may provide financial protection if you are in an accident with a driver who does not have sufficient insurance.
Tips for Finding This Coverage in California
Non-standard auto insurance plays a crucial role by helping to ensure California drivers have access to the coverage they need, regardless of their driving history or vehicle type. Our agents can help you find appropriate auto insurance for your situation. They may recommend the following:
- Shop around. Compare quotes from multiple insurers to find the best rate.
- Improve your driving record. Taking steps to become a safer driver can help lower your premiums over time.
- Consider a higher deductible. Opting for a higher deductible can reduce your monthly premium.
Learn More
Contact Bolt Insurance in Citrus Heights, California, for a personalized auto insurance quote.