Affordable Non-Standard Car Insurance

Non-standard auto insurance is designed for drivers who don’t fit the typical profile—like those with a few accidents, traffic tickets, a lapse in coverage, or those who are new drivers. These factors can make standard insurers see you as a higher risk, so non-standard car insurance provides coverage where others might not. It usually costs more and has fewer options, but it ensures you’re still covered even if your driving history isn’t perfect.

The number of drivers classified as “non-standard” or “high-risk” has been growing, often due to age, experience, driving record, or credit history. Some insurers turn these drivers away or offer limited, overpriced options. At Acceptance, we aim to provide a range of affordable coverage options for drivers, including non-owner car coverage, tailored to fit your needs.

Generally, non-standard coverage tends to be more expensive than standard insurance because it’s designed for drivers who are considered higher risk by insurers. This could include individuals with past accidents, traffic violations, lapses in coverage, or those who are new drivers. On average, here are some estimated costs:

• Full Coverage: For non-standard drivers, full coverage car insurance typically costs between $1,800 and $3,500 per year. This is higher than the average for standard drivers due to the increased risk associated with non-standard policies. Full coverage usually includes liability, collision, comprehensive, and sometimes uninsured motorist coverage, providing more extensive protection.
• Minimum Coverage: Minimum coverage for non-standard drivers can range from $900 to $2,000 per year. This option is generally more affordable than full coverage but offers less protection. Minimum coverage typically meets the state-required liability limits and may not include comprehensive or collision coverage.

These averages can fluctuate based on factors like age, driving record, vehicle type, location, and specific insurance company policies. To get a precise cost, it’s best to compare quotes from various insurers that specialize in non-standard car insurance.

There are several reasons why you might need non-standard auto insurance. This type of insurance is typically designed for drivers who don’t fit the typical profile due to a variety of factors:

• Driving Record: You may have a history of accidents, traffic violations, speeding tickets, or a DUI. A suspended or revoked driver’s license can also place you in this category.
• Driving Experience: Limited driving experience or a poor driving history can lead to non-standard classification.
• Insurance History: If you’ve had a lapse in car insurance coverage or lack a substantial insurance history, you might be considered non-standard.
• Other Factors: Having a poor credit history, needing an SR-22, or being a foreign driver are additional reasons insurers might categorize you as non-standard.

If you’re trying to figure out if non-standard auto coverage is the right fit for you, here are a few things to keep in mind:

• Your Driving History: Got a few accidents, traffic tickets, a DUI or a lapse in coverage? Non-standard coverage might be your go-to option.
• New or Inexperienced Drivers: If you’re just getting started or don’t have much driving experience, this type of policy can offer the protection you need.
• Trouble Getting Standard Coverage: If standard insurance companies have turned you down because of your risk profile, non-standard insurance could be the solution to get you the coverage you need.

Remember, non-standard coverage usually costs more than standard policies, so be prepared for higher premiums. These policies often come with fewer options, so make sure you know what’s covered. Work with your friendly neighborhood Acceptance agent to get some flexible options that fit your lifestyle and your bank account.

It works much like regular car insurance. When you request a quote, you’ll need to provide some personal details, like your age, address, and driver’s license number, as well as information about your vehicle. The insurance company uses this to assess the risk and determine the cost of your policy.

Not every insurer offers non-standard coverage, but if you get a policy, it works just like regular car insurance—just with a higher premium.

Choosing non-standard car insurance is all about finding what fits your needs. If you’ve got a unique car or a tricky driving record, look for insurers that offer flexible policies. Compare different options, check for discounts, and make sure you know exactly what’s covered. If you’re unsure, talking to an Acceptance Insurance agent can help clear things up.

It’s all about balancing good coverage with a fair price. Here are some common discounts you can take advantage of:

• Shop Around: Compare quotes from different insurance companies to find the most affordable rates. Prices can vary widely between providers.
• Raise Your Deductible: Increasing your deductible can lower your premium. Ensure it’s an amount you can afford to pay if you need to file a claim.
• Look for Discounts: Ask about discounts for safe driving, installing anti-theft devices, or completing a defensive driving course. These discounts can help reduce your premium.
• Bundle Your Policies: Consider bundling your car insurance with other types of insurance, such as home or renters insurance, to get a better rate.
• Consider Usage-Based Insurance: If you don’t drive often or have good driving habits, a usage-based insurance program might offer lower rates based on your driving behavior.