{"id":4379,"date":"2025-05-29T09:09:25","date_gmt":"2025-05-29T14:09:25","guid":{"rendered":"https:\/\/www.boltinsuranceservices.com\/?p=4379"},"modified":"2025-05-29T09:09:25","modified_gmt":"2025-05-29T14:09:25","slug":"what-you-need-to-know-about-nonstandard-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.boltinsuranceservices.com\/es\/blog\/what-you-need-to-know-about-nonstandard-auto-insurance\/","title":{"rendered":"What You Need to Know About Nonstandard Auto Insurance"},"content":{"rendered":"<p>Due to a driving history with traffic violations or convictions, not all drivers qualify for a standard auto insurance policy. In such cases, <a href=\"https:\/\/www.boltinsuranceservices.com\/coverage\/non-standard-auto\/\">nonstandard auto insurance<\/a> 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\u2019ve had trouble finding a standard policy, nonstandard auto insurance may meet your needs.<\/p>\n<h2>Who Needs Nonstandard Auto Insurance?<\/h2>\n<p>You might need nonstandard auto insurance if you\u2019re in any of the following situations:<\/p>\n<ul>\n<li>You\u2019ve been convicted of DUI or reckless driving.<\/li>\n<\/ul>\n<ul>\n<li>You\u2019ve had multiple traffic violations or at-fault accidents.<\/li>\n<\/ul>\n<ul>\n<li>Your license has been suspended or revoked in the past.<\/li>\n<\/ul>\n<ul>\n<li>You own a high-performance or modified vehicle.<\/li>\n<\/ul>\n<ul>\n<li>You let your insurance lapse or have gaps in coverage.<\/li>\n<li>You\u2019re required to file an SR-22 form.<\/li>\n<\/ul>\n<h2>How Do I Get a Policy?<\/h2>\n<p>Getting a nonstandard policy isn\u2019t 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 <a href=\"https:\/\/www.insurance.ca.gov\/\">insurance companies<\/a> 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.<\/p>\n<h2>How Much Does Nonstandard Insurance Cost?<\/h2>\n<p>Rates for nonstandard auto insurance are typically higher, and several factors affect the cost:<\/p>\n<ul>\n<li>Driver\u2019s age<\/li>\n<\/ul>\n<ul>\n<li>Driving record and violation history<\/li>\n<\/ul>\n<ul>\n<li>Type of vehicle<\/li>\n<\/ul>\n<ul>\n<li>Location and ZIP code<\/li>\n<\/ul>\n<ul>\n<li>Length of driving experience<\/li>\n<\/ul>\n<ul>\n<li>Prior insurance history<\/li>\n<li>Credit score<\/li>\n<\/ul>\n<h2>Get Covered Today<\/h2>\n<p>If you hit a bump in the road with your auto insurance, Bolt Insurance can steer you toward the coverage you need. <a href=\"https:\/\/www.boltinsuranceservices.com\/contact-us\/\">Contact us<\/a> today to learn more.<\/p>\n<p><i>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.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Due to a driving history with traffic violations or convictions, not all drivers qualify for a standard auto insurance policy. [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Who Needs Nonstandard Auto Insurance? | Citrus Heights, CA","_seopress_titles_desc":"If you've had trouble finding coverage due to traffic violations or risky driving, nonstandard auto insurance may be the solution. Contact us for more insights!","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1,11],"tags":[],"class_list":["post-4379","post","type-post","status-publish","format-standard","hentry","category-blog","category-non-standard-auto-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/posts\/4379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/comments?post=4379"}],"version-history":[{"count":0,"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/posts\/4379\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/media?parent=4379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/categories?post=4379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.boltinsuranceservices.com\/es\/wp-json\/wp\/v2\/tags?post=4379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}