Frequently Asked Questions About Non-Standard Auto Insurance

What Is Non-Standard Auto Insurance?

Non-standard auto insurance policies are issued in cases where higher-than-normal driver or vehicular risk factors apply. These policies often resemble standard auto insurance policies except that the holders must pay higher rates than they would for standard insurance.

Some non-standard policies include substantial differences in the degree of coverage they offer. For instance, you might find that your non-standard auto insurance policy covers basic liability but not comprehensive coverage (which normally protects policyholders against vandalism, theft, and naturally occurring auto damage).

Who Needs Non-Standard Auto Insurance?

Non-standard auto insurance may prove necessary under a variety of circumstances. For instance, if you have a DWI or DUI conviction, you may need to purchase non-standard auto insurance. The provider then files an SR-22 form with the state on your behalf. This form certifies that you can legally drive again.



Credit problems can also force many drivers to seek out non-standard auto insurance since insurance providers typically base the rates they can offer on their applicants’ credit scores. Young drivers, drivers of luxury or sports cars, drivers who’ve let their coverage lapse, and drivers with a history of accidents may also need it.

What Kind of Non-Standard Auto Insurance Do Non-Owners Need?

A type of non-standard auto insurance called non-owners insurance applies specifically to individuals who need to drive legally but simply don’t have a vehicle registered in their name. Both drivers with clean records and drivers who must file an SR-22 but don’t own a car can purchase this kind of insurance.



If you regularly rent cars, you’ll probably find it much less troublesome and expensive to maintain your own non-owners auto insurance than to constantly purchase temporary insurance from the rental agencies. This coverage also makes sense if you own a car but often go for long periods without driving it.

Why Do Salvage Titles Often Require Non-Standard Auto Insurance?

Car shoppers on a tight budget can often save lots of money by buying used cars that carry salvage titles. A car with a salvage title typically has suffered extensive damage due to an accident, flood, vandalism, or other issues that cause insurers to write it off as junk, even if the previous owner took the trouble to repair the damage.



Unfortunately, you may have to pay more to insure your bargain vehicle. Insurance companies may insist that you take out non-standard auto insurance on the car, and for good reason. Even after major repair work, a car wrecked in a collision or by a major disaster may remain less safe or reliable than an undamaged equivalent.

How Can You Switch From Non-Standard to Standard Auto Insurance?