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Non Standard Auto Insurance? This Shows Us How to Reduce Rates at Car Insurance Quotes
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Non Standard Auto Insurance? This Shows Us How to Reduce Rates

Thursday, December 1st, 2016 - Car Insurance

Non Standard Auto Insurance? This Shows Us How to Reduce Rates

Non standard auto insurance – Non standard auto insurance is specifically needed for drivers with certain characteristics. These drivers will not qualify for standard insurance and commonly consist of under-25 drivers or those with adverse driving record. These people will be regarded as high risk drivers. It could also be drivers that have committed violations like careless driving; DUI driving that will badly affect their driving record.

The most logical consequence of being non-standard driver is higher insurance rates. Is this changeable? Is there any chance to reduce insurance rates with this label? This following information will tell us more.

How Non-Standard Drivers Charged Higher Rates ?

Insurance companies doing business with us want to make money. Non standard drivers are regarded as high risk drivers. It means that they have higher risk to get an accident. The simple example is teen drivers. They are commonly careless on the roads, like to disobey traffic regulations and consequently, put them in a greater risk of an accident.

That also applies for DUI drivers and drivers with bad driving record. Insurance companies regard them to be relatively riskier for a car accident. How insurance companies can make profits if they are given standard rates? Of course, since the risk is higher, the amount of coverage and possibility to make a claim are higher. The sensible consequence is by giving them non standard auto insurance with higher insurance rates.

Non Standard Policy is Changeable

Of course, we want to save money from our insurance, but being non-standard driver seems to have closed the opportunity to get lower rates. It stands to reasons that many of us wonder whether it is changeable or not.

The fact is we can change this into standard insurance. However, it depends on the triggering factor. Those who are under 25 will never have non standard auto insurance after turning 25. For drivers with bad driving records will have to spend several years to recover the record. Insurance companies examine our three-year driving history so it is likely; we become standard driver after three years not getting involved in an accident.

The longest period would be DUI drivers. They will be regarded as non standard drivers for ten years. In short, it takes a long time to change but we have ways to reduce our rates.

How to Get Non Standard Auto Insurance Properly

We should lose hope of being labeled non standard drivers. When dealing with insurance companies, we have our way to make the most of them.

Some insurance companies offer non-standard drivers good rate, so we need to find those companies. Shop around a little bit. Otherwise, we can talk to an agent and tell our situation. From them, we can get quotes from different companies. After the quotes are already obtained, focus on companies offering lower premiums with good coverage. Compare them and make final decision.

Our driving history is not the only factor that insurance companies use to determine our rates. The type of car also plays in important role. That’s why we are suggested to change our expensive sports car (if we have it) to average car that has been installed with safety devices such as seat belt, anti-theft device or air bags. Rates of non standard auto insurance will automatically reduce.

Keep the driving record by obeying all traffic regulations. Slowly, we can change the insurance rates. After we purchase insurance policy from certain company, make an on-time payment. Otherwise, it worsens the condition. Cancellation from the previous insurers also affects us. Each time our driving status changes make sure we get new quotes so we can monitor if we are on the best rate.

Non standard auto insurance means higher rates, but discounts will help us to reduce them. Ask for any discount availability from the company we choose.

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