Nonstandard Auto Insurance

Depending on the type of vehicle you drive, your driving history or the way you use your vehicle, you may be required to purchase a non-standard auto insurance policy. For most drivers in Colorado, your driving record determines the type of auto insurance you need and the premium that you will pay for coverage. So what should you do if you’re classified as a high-risk or non-standard driver? With the help of an independent insurance agent and a good understanding of your coverage options, you can find the right insurance policy to fit your needs.

Who Needs Non-Standard Insurance?

If you have been convicted of a DUI/DWI or have multiple speeding tickets on your record, you may need non-standard insurance coverage. In some cases, teen drivers and those who use their vehicle for work purposes may also fall into a non-standard driver category as well. While this usually means you’ll be looking at a higher than average premium, there are certain ways you can try to lower your insurance costs.

Tips for Lowering Your Auto Insurance Costs

Typically, insurance providers take a look at the last 5 years of your driving record when estimating coverage costs. Working with a local, independent insurance agency is a great place to start when searching for an affordable policy. Other great tips that may help to lower your insurance costs include:

  • Speaking with your insurance agent about approved defensive driving courses that may lower your premium.
  • Trade in your car for a different model that has a higher safety record and/or better safety features.
  • Become a safer driver! By following all traffic laws and going 3 or more years without a traffic violation, you may see a decrease in your premium.

For more information on non-standard auto insurance or to get a quote, be sure to visit your local independent insurance agency online today!

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