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Non-standard auto insurance is a category of car insurance designed for high-risk drivers. High-risk drivers are those with a history of accidents, DUIs, speeding tickets, or who have had a lapse in car insurance coverage. Generally, non-standard car insurance is similar to standard insurance, but costs more.
The process of obtaining non-standard insurance is the same as buying standard auto insurance, albeit more expensive. The only time the process of obtaining non-standard insurance differs from the regular process is if you have been convicted of a serious traffic violation such as a DUI that requires you to file an SR-22 or FR-44 form.
Most insurance companies, including GEICO, Progressive, The General and SafeAuto offer non-standard auto insurance policies. Some companies specialize in providing this type of insurance and my offer better rates, so it’s always best to compare quotes from different insurers.
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Can I get classic car insurance without a garage?
Yes, you can get classic car insurance without a garage, though finding an insurance company to cover your vehicle may be difficult, and you’ll still need a safe place to store the car. Instead of a garage, some companies may allow you to store your vehicle in a driveway, carport, barn, trailer, or storage unit, for example.
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There are many reasons your car insurance can go up, and they can be linked to market conditions, personal factors, or your driving record. If your auto insurance premium went up at renewal time, it may be because you caused an accident, earned a ticket, switched cars, or increased your coverage. Even moving a short distance or paying a few credit card bills late can raise your car insurance cost. Your rate may also have...
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It takes 3 to 5 years for car insurance to go down after an at-fault accident in most cases. Three years is a common penalty period for property damage claims. Insurance companies penalize drivers longer for accidents causing serious bodily harm or resulting from reckless or intoxicated driving. Premium increases vary widely by state and insurer, but the average increase is 41% after a single claim of $2,000 or more.
Rates increase after an...
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