A Clear Guide To Standard Vs. Non-Standard Auto Insurance

Auto insurance isn’t one-size-fits-all. Depending on your driving history, financial situation, and risk profile, you may qualify for standard or non-standard auto insurance. While both provide coverage, they cater to different types of drivers. Understanding the distinction helps ensure you’re getting the right protection—and not paying more than necessary.

What Is Standard Auto Insurance?
Standard auto insurance is designed for drivers who present average or lower-than-average risk to insurers. These drivers typically:

• Have a clean or minor driving record.
• Maintain good credit history.
• Own common, lower-risk vehicles.
• Have consistent insurance coverage history.

Key features of standard auto insurance:

• More affordable premiums.
• Widely available from most major insurance providers.
• Standard coverage options (liability, collision, comprehensive, uninsured motorist, etc.).

What Is Non-Standard Auto Insurance?
Non-standard auto insurance is for drivers considered higher risk by insurers. You may fall into this category if you:

• Have multiple accidents, speeding tickets, or DUIs.
• Are a new or very young driver with limited experience.
• Have a lapse in insurance coverage.
• Drive high-performance or unusual vehicles.
• Have poor or limited credit history.

Key features of non-standard auto insurance:

• Higher premiums due to increased risk.
• May be offered by specialized insurers rather than mainstream companies.
• Provides state-required minimum coverage and sometimes fewer add-on options.

Comparing Standard vs. Non-Standard Insurance
1. Eligibility

• Standard: Good driving and credit history.
• Non-Standard: Higher-risk drivers or unusual circumstances.

2. Cost

• Standard: Lower, more competitive rates.
• Non-Standard: Higher premiums to offset risk.

3. Coverage Options

• Standard: Wide range of customizable options.
• Non-Standard: Often limited to essential or state-mandated coverage.

4. Availability

• Standard: Offered by most major insurers.
• Non-Standard: Typically provided by specialized or high-risk carriers.

Tips for Drivers in the Non-Standard Category

• Improve your driving record: Safe driving over time can help you transition back to standard coverage.
• Avoid lapses in coverage: Even short gaps can keep you in the high-risk category.
• Work on credit health: In many states, credit history impacts insurance rates.

Conclusion
Standard auto insurance is ideal for lower-risk drivers, offering affordable premiums and flexible coverage options. Non-standard insurance, on the other hand, provides essential protection for higher-risk drivers who may not qualify for standard policies.

By understanding where you fall and taking steps to improve your driving and credit history, you can eventually move from non-standard to standard coverage—saving money and gaining better coverage along the way.

At AllRisk Auto Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.