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Everything you need to know about non-standard auto insurance


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When it comes to auto insurance, drivers are usually either categorized under standard or non-standard auto insurance. Drivers grouped into the standard auto insurance category have fewer chances of making claims. In contrast, non-standard drivers are more prone to automobile accidents and likely to make more claims than standard drivers. So, insurance companies charge higher insurance rates from non-standard drivers to compensate for the risk.

So, what makes drivers fall under the non-standard category?

There is no surprise that causing lots of accidents will push you into the non-standard category. However, there are several other factors that contribute to the reason behind falling drivers under the non-standard category, such as:

  • Driving a high-performance or custom-built car
  • Driving a severely damaged car
  • Residing in an area with higher theft or vandalism rate
  • Having a foreign driver’s license
  • Being an inexperienced or elderly driver
  • Getting involved in a lot of accidents
  • Having a gap in your auto insurance history
  • Having a poor credit history
  • Filing several claims within a short period
  • When an auto insurance policy is canceled or non-renewed
  • Being convicted for drink and driving
  • Drivers with suspended or revoked licenses and having SR-22 certificate

What does non-standard auto insurance cover?

Drivers who fall under the non-standard auto insurance policy are liable for receiving the same type of coverage as drivers who fall under the standard auto insurance policy but with some restrictions. For instance, some non-standard auto insurance companies limit the number of miles the driver can drive per year, whereas others may restrict the amount of compensation claim you can get. So, before you choose to buy a non-standard auto insurance policy, it is recommended to understand the terms and conditions of the policy and what is and isn’t covered with non-standard auto insurance before signing any contract.

Can you move from non-standard auto insurance to standard insurance?

Yes, you can, but it will take some time, as it is not easy to erase a bad driving record. So, before you try to move from non-standard auto insurance to standard insurance, it is good to know the reason that makes you fall under the non-standard category.

For instance, if you are a young and inexperienced driver, all you need to do is wait for years. Once you turn 25 and you have no bad driving record, you can enhance your chances of moving to standard auto insurance. On the other hand, if your coverage has lapsed, you should pay your premiums as soon as possible to reinstate your insurance. 

How to lower your auto insurance premium?

  • Drive carefully and set a good driving record
  • Improve your credit score
  • Enroll yourself in a defensive driving course
  • Choose a regular car instead of a modified car or luxury car
  • Install an anti-theft alarm system in your car to prevent robbing
  • Pay your bills on time

The Bottom Line

There are several factors that contribute to determining the category of a driver. Getting in touch with a non-standard car insurance company can help you find the best insurance policy for your vehicle and get the most out of it. 

All the Best!

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