The Real Deal About Non-Standard Auto Insurance?

​If you're considered a high-risk driver, then you may be required to get non-standard auto insurance. Why is this so? This type of auto insurance is for drivers who are not qualified for lower auto insurance rates or may have trouble getting insurance in the first place due to previous driving records and claims. 

Non-Standard Auto Insurance Is Expensive
It's not the end for high-risk drivers as some insurance companies are willing to offer coverage for these drivers. However, non-standard insurance costs more, and it could be very hard to get. But if a driver is willing to consider all these, then there are possible options for them. 

Do You Need Non-Standard Auto Insurance?
Drivers who have remaining points in their license will not need non-standard auto insurance. If you belong to any of the following criteria, then you may need this type of insurance: 

• If you have a conviction of a severe infraction like reckless driving or a DUI, you need an SR-22, a document that should be sent to the DMV in your state. This document proves that you possess insurance. 
• If you cannot apply for comprehensive auto insurance because your vehicle is not road-worthy, then you need non-standard auto insurance. However, it does not immediately mean that you need a higher rate; you may be given some limitations to the type of insurance you can get. 
• If you do not own the vehicle, then you may still get insurance. Non-standard insurance will allow you to operate the vehicle with fewer risks. 
• If you have many driving violations or you have had many car insurance claims due to your negligence, then you might be asked to get non-standard insurance. 

Where To Get Non-Standard Auto Insurance?
There are a few insurance companies that offer non-standard auto insurance. It’s best to go for the best in the industry because they will likely understand your needs better. Also, this type of insurance is your stepping stone to get a standard policy after your points have improved. You may also talk to your current insurance provider to get non-standard auto insurance. 

At Priority Insurance LLC​, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (864) 297-9744. Get your free quote today by CLICKING HERE.