Tips for Getting the Best Non-Standard Auto Insurance Rates
Drivers who don’t have anything negative on their driving record are eligible for standard auto insurance, but other drivers may need to look for non-standard auto insurance policies. Not everybody has a clean driving record. DUIs, prior accidents or even smaller things like a previous lapse in coverage, can bump an individual into a higher risk assessment category, and lead them to look for non-standard auto insurance in a different market, where rates are generally higher. There are some ways for these higher risk individuals to get some competitive lower rates for non-standard auto insurance.
Shop Around – This is one of the basic rules for getting the best car insurance rates for any driver, but especially for a high-risk driver. Try an online search and research prices from different companies to see if you can get a bargain regardless of your driving record.
Look Into Assigned Risk Coverage – Assigned risk coverage is something that some states offer, where the state assigns a high-risk driver to a specific insurance company. Assigned risk coverage may or may not be cheaper than non-standard auto insurance, but it’s always worth a look to make sure.
Know Your State’s System – Some states have now gone to a tiered auto insurance system. A tiered system helps more high-risk drivers get into the regular auto insurance market. It means that you may be able to get better rates for your non-standard auto policy. In other states, assigned risk may be your best option. Knowing all about your state’s particular system will help you be your own advocate and consumer guide.
Identify Inaccurate Information – Sometimes, drivers are characterized as high risk because of old and obsolete data or misleading and erroneous information. Auto insurance companies sometimes use C.L.U.E. reports to find out about past claims, where a random non-claim document can flag an account and create a higher risk assessment. Always ask your insurer about why you are considered high risk, and be willing to argue your case if necessary, and know about what’s on the public reports, including your FICO credit score, that can impact your auto premium quotes.
Be Aware of Timeouts for DMV Points and Other Liabilities – Some of the incidents that bump you into a high-risk category will only affect a record for a specific amount of time. If you know when your negative report data will expire, you can plan to get better rates at that time.
All of this will help drivers seek out the best non-standard auto insurance policies for their particular situations. Yes, you may have to pay slightly more to get on the road as a result of past mistakes, but that shouldn’t force you to pay sky-high rates for your car insurance.
If you have questions about purchasing a competatively priced policy with us, give us a call at 866-663-7561 or visit us online at www.sr22-insurance-policies.com