Non-standard auto insurance is insurance coverage reserved for high-risk drivers. Generally, non-standard car insurance is similar to standard insurance but costs more because it is tailored for drivers who have higher risk profiles than the average driver.
Car insurance companies evaluate drivers based on the risk of them getting into an accident or filing a claim. Drivers can be considered high risk if they have previously been involved in auto accidents, if they have been convicted of DUI or if they fall into certain age brackets, for example.
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 and Progressive, offer non-standard auto insurance policies. Other companies, such as The General and Safe Auto, specialize in providing non-standard insurance policies for high-risk drivers.
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