Standard Car Insurance

In order to understand what standard car insurance is, we first must define non-standard car insurance. Simply put, non standard car insurance is for drivers deemed to be too high risk to qualify for standard insurance. Since they are deemed too high risk for the standard market, they have to obtain insurance from a non-standard insurance company.

Who is a non-standard driver?

One may need non-standard insurance for a variety reasons but mostly because they have a serious conviction such as Driving Under the Influence and/or have a history of at-fault accidents. You can even be classified as “non-standard” if you have multiple minor convictions.

Who are the standard insurance companies?
You should keep in mind that most insurance companies “underwrite” or rate drivers differently, however, the majority of insurance companies sell standard insurance. There are insurance companies that do provide coverage to the non-standard market, however, they do so at a premium that is as much as 100% to 200% higher than in the standard market. Therefore it should be the goal of every driver to qualify for the standard market as rates are much more competitive.

Can I get a standard car insurance quote?
Yes, simply request a quote to see if you qualify for the standard market discounts. If you do, you can can compare quotes from fifteen insurance companies in order to get the best rate.