If you’re shopping for car insurance with a little bit of driving record baggage in tow, you know it can be hard to find a good policy at a good price. You might be hearing a lot about insurance risk levels, non-standard car insurance, liability, and different types of coverage. How can you know which auto insurance you qualify for? It may depend on your record as a driver.
The kind of coverage you are able to get will likely depend on your “risk” level as determined by a car insurance company. Your risk level is assessed by a number of factors, including your driving record, the type of car you own, and your criminal history. “Low-risk” drivers and “high-risk” drivers present different risk levels to insurance companies, and low-risk drivers are viewed as less of a problem to insure than are high-risk drivers.
What Is Standard Auto Insurance Coverage?
Drivers who qualify for standard car insurance likely have a clean driving record, no criminal background, and good credit. Standard car insurance may cost less than non-standard car insurance, and is typically easier to qualify for.
What is Non-Standard Car Insurance?
Non-standard auto insurance is a viable alternative for drivers who fall outside of the “low-risk” category. Drivers who might benefit from non-standard car insurance could include those who have…
Depending on the car insurance provider you choose, non-standard car insurance policies may have a higher rate than standard ones. It’s best to shop around before choosing an auto insurance provider so you can get the most for your money, even with non-standard car insurance.