What Are Non Standard Car Insurance Carriers

Some drivers are considered too risky to be handled by typical insurance providers. As a result, they are typically dropped when the policy expires. In some cases, if the crimes or actions committed by the policyholder are too serious, the insurance carrier will drop him as fast as possible. But what will happen with the drive, who will surely want to be covered, in order not to risk further penalties. Luckily, there is a market for these high-risk drivers.  Find out more about non-standard car insurance carriers and get insurance quotes auto online for free, from our website. Be smart and compare prices before switching to a high-risk carrier.

# auto-insurance-discountsNonstandard drivers are likely to have been in multiple accidents or received speeding tickets in the past, and may not have substantial driving experience. Also, those owning very expensive or exotic or heavily customized cars may be considered non-standard. Insurers offering nonstandard auto insurance may forgo checking the driver’s credit history, meaning that the driver could have poor or no credit. Or they may also choose not take into consideration age or citizenship (let’s remember that there are many immigrants in the U.S. who do have all the necessary papers for getting standard rates).

Many major carriers will insure nonstandard drivers. In fact, Progressive started out as a high-risk insurer. Large insurance companies often operate a subsidiary intended for drivers with less-than-optimal characteristics. For example, Geico places them with Geico Casualty Co., rather than Geico General or Geico Indemnity. Other major insurance companies have separately branded subsidiaries that focus on the nonstandard market.  The General is the nonstandard subsidiary of American Family Insurance. Nationwide owns nonstandard insurers Titan and Victoria, and Farmers owns Bristol West.

Sometimes a driver presents such a high risk that he or she can’t qualify for even nonstandard auto insurance. In this case, they must use state plans designed to serve as insurers of “last resort.”

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