Non-standard Auto Insurance in Deerfield Beach, Pompano Beach and Areas Across South Florida
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Non-standard Auto Insurance Information
Nonstandard auto insurance emerges as a specialized solution for individuals facing challenges securing coverage in the conventional insurance market. Understanding the nuances of nonstandard auto insurance is crucial for those seeking coverage outside the standard market, as it involves considerations beyond typical policies and may be offered by specialized carriers.
What Is Nonstandard Auto Insurance?
Nonstandard auto insurance refers to insurance policies designed for drivers considered high risk by insurance companies. High-risk drivers typically have a history of traffic violations, accidents or other factors that make them more likely to file a claim compared to the average driver.
Standard auto insurance companies usually prefer to insure drivers with a clean driving record because they are considered lower risk. However, nonstandard auto insurance provides an option for high-risk drivers to obtain the coverage they need, even if they may have difficulty securing a policy from traditional insurers.
What Does Nonstandard Auto Insurance Cover?
Nonstandard auto insurance typically provides coverage similar to standard auto insurance, but it may come with higher premiums to reflect the increased risk.
How Does Nonstandard Auto Insurance Work?
Nonstandard auto insurance policies closely resemble standard ones, with the main distinction being higher premiums. This is a result of the insurer facing an increased risk of having to fulfill a claim.
Moreover, many nonstandard auto insurance policies feature higher deductibles than standard policies. This strategic choice enables the insurance company to maintain somewhat reasonable monthly premiums. It's worth noting that, as with all auto insurance types, a lower deductible corresponds to a higher premium.
Who Needs Nonstandard Auto Insurance?
A driver may need nonstandard auto insurance if they:
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- Carry an SR-22 certificate for committing certain driving offenses
- Have had a DUI or OWI charge
- Have a driving record with multiple infractions for reckless driving
- Have a high risk of accidents
- Drive a vehicle with a salvage title
- Have previously driven uninsured or underinsured
- Carry a foreign license or have no driving record in the United States
- Are under 25 years old