Question 1

What are non-standard auto insurance companies?

Accepted Answer

Non-standard auto insurance companies are insurance providers that specialize in offering coverage to high-risk drivers who may have difficulty obtaining insurance through standard insurance companies. These drivers typically have a history of accidents, traffic violations, poor credit scores, or other factors that deem them higher risk.

Question 2

What do non-standard auto insurance companies offer?

Accepted Answer

Non-standard auto insurance companies offer policies tailored to the specific needs of high-risk drivers. They provide coverage for liability, collision, comprehensive, and other types of insurance, similar to standard insurance companies. However, the premiums and terms offered by non-standard companies may be different, often at higher rates, due to the increased risk associated with insuring high-risk drivers.

Question 3

What are the advantages of non-standard auto insurance companies?

Accepted Answer

Non-standard insurance companies have the following benefits:

Accessibility: Non-standard auto insurance companies provide coverage options for individuals who may have been denied by standard insurance companies, giving them an opportunity to obtain the necessary coverage.
Flexibility: Non-standard companies understand the unique circumstances of high-risk drivers and may offer more flexible payment options, such as monthly installments, to help make insurance more affordable.
Specialized Expertise: Non-standard insurers have experience in dealing with high-risk drivers and understand the specific challenges they may face, allowing them to provide more tailored coverage options.

However, if you don&#8217;t need non-standard car insurance,  you should shop at the best auto insurance companies for clean records instead.

Question 4

Are there any disadvantages to non-standard auto insurance companies?

Accepted Answer

As with all things, there are disadvantages to non-standard car insurance. These include:

Higher Premiums: Non-standard auto insurance companies generally charge higher premiums due to the increased risk they assume by insuring high-risk drivers.
Limited Coverage Options: Non-standard companies may have more limited coverage options compared to standard insurers. They may exclude certain benefits or have stricter terms and conditions.
Lack of Perks and Discounts: Non-standard insurers may not offer the same range of perks, discounts, or rewards programs that are often available from standard insurance companies.

There may be some disadvantages, but it&#8217;s worth dealing with them when you need coverage.

Question 5

How can I find a non-standard auto insurance company?

Accepted Answer

To find a non-standard auto insurance company, you can:

Research Online: Look for insurance providers that specifically advertise coverage for high-risk drivers.
Seek Recommendations: Ask friends, family, or colleagues who have similar insurance needs or who have obtained coverage through non-standard companies.
Consult an Insurance Agent: Contact an independent insurance agent who can help you explore different options and find a non-standard insurer that suits your needs.

Learning how to evaluate auto insurance quotes online can help you find the cheapest non-standard coverage possible.

Question 6

What is non-standard car insurance?

Accepted Answer

Non-standard auto insurance companies are insurance providers that specialize in offering coverage to high-risk drivers who may have difficulty obtaining insurance from standard insurance companies. These drivers typically have a history of accidents, traffic violations, poor credit, or other factors that classify them as higher risk.

Question 7

Is Progressive a non-standard insurance company?

Accepted Answer

Progressive is not a non-standard car insurance company, but it does sell both minimum and full coverage auto insurance for non-standard drivers.

Question 8

Who can benefit from non-standard auto insurance?

Accepted Answer

Non-standard auto insurance is designed for drivers who have difficulty obtaining coverage through standard insurance companies due to factors such as a poor driving record, history of accidents, multiple traffic violations, or a low credit score. These drivers may be considered high-risk and are typically charged higher premiums as a result. Non-standard insurance provides an option for these individuals to meet their legal obligations and protect themselves financially while driving.
To find non-standard auto insurance that best benefits you, enter your ZIP code to compare quotes from multiple companies.

Question 9

What are the key features of non-standard auto insurance policies?

Accepted Answer

The key features of non-standard auto insurance policies include:

Higher Premiums: Non-standard policies often come with higher premiums due to the increased risk associated with the insured driver.
Limited Coverage Options: Non-standard policies may offer more limited coverage options compared to standard insurance policies. This could include reduced liability limits or the exclusion of certain types of coverage.
SR-22 Filing: Non-standard insurers often provide SR-22 filing services, which is a certificate of financial responsibility required for drivers who have been convicted of certain violations such as driving under the influence (DUI) or driving without insurance.
Flexible Payment Options: Non-standard insurers may offer flexible payment options to accommodate drivers who may have difficulty paying large lump sums. This can include monthly or quarterly payment plans.

Discuss your needs with an insurance agent if you&#8217;re unsure about getting non-standard insurance.

Question 10

What are the best non-standard auto insurance companies?

Accepted Answer

The cheapest provider for you depends on your unique circumstances, but Farmers, Travelers, and Geico are the best non-standard insurance companies overall. However, you should always compare rates to make sure you get the best prices. For example, the best auto insurance companies for teen drivers won&#8217;t be the same as the best providers for drivers with a DUI.

Tag: non-standard auto insurance

Compare Quotes from Top Companies and Save

Best Non-Standard Insurance Companies in 2025 (Your Guide to the Top 10 Providers)

What does standard auto insurance cover?

Compare Quotes from Top Companies and Save

Tag: non-standard auto insurance

Compare Quotes from Top Companies and Save

Best Non-Standard Insurance Companies in 2025 (Your Guide to the Top 10 Providers)

What does standard auto insurance cover?

Compare Quotes from Top Companies and Save

Free Car Insurance Comparison