The best non-standard auto insurance companies are Direct Auto Insurance, Kemper Insurance, The General, and Dairyland. These insurers offer the most affordable policies for high-risk drivers, whose driving history makes it difficult to obtain coverage. While non-standard car insurance costs more than a regular policy, it's a way to meet the insurance limits required by the state and, at the same time, work to improve your driving record. Which companies sell non-standard car insurance? What is the best non-standard car insurance company? Read on to discover a list of the best non-standard auto insurance companies in the world.
Low and medium risk drivers can purchase car insurance from GEICO, State Farm, and other well-known providers. However, drivers with unique insurance needs may need to purchase car insurance from lesser-known insurers, such as The General, Safe Auto, and Infinity, among many others. GEICO, Progressive, and The General, for example, sell several types of non-standard auto insurance in certain states. Meanwhile, Safe Auto, Infinity, Gainsco, Direct General and Acceptance Auto Insurance also specialize in offering non-standard auto insurance.
The cheapest non-standard insurance companies tend to be the largest insurance companies in the United States. For example, GEICO, Progressive, National General, Infinity, The General, and Dairyland tend to be the cheapest non-standard insurance companies in several states. However, check the quotes from several providers in your area to check the prices. GEICO offers standard and non-standard auto insurance.
GEICO is the second largest insurance company in the United States, insuring millions of standard and non-standard drivers in all 50 states. Non-standard insurance companies offer car insurance policies to drivers with special circumstances. This includes high-risk drivers and new drivers. These people generally cannot take out standard insurance and are often new drivers or people that insurance companies consider to be high-risk.
Most drivers need to have non-standard car insurance for 3 to 5 years, assuming they maintain a clean driving record. Some companies, such as the New York Auto Insurance Plan, use a tiered program that groups together non-standard drivers who qualify with the intention of helping them move to a more favorable level and, ultimately, helping them obtain standard car insurance. This is a special auto insurance policy designed to provide coverage for drivers who cannot obtain standard car insurance because they are at greater risk. Some standard auto insurance companies may refuse to offer a standard policy to a high-risk driver; in this case, you would need a non-standard insurance policy.
Most insurance companies, including Geico and Progressive, offer non-standard auto insurance policies. If you have a Lamborghini or a 50-year-old classic car, for example, you might not be able to get standard car insurance from a standard insurer. The cost of non-standard car insurance varies widely depending on your driving record, state insurance laws, and hundreds of other factors. Many conventional auto insurance companies don't validate driving history or driver's license from outside the United States, although non-standard auto insurance companies may specialize in insuring foreign drivers.
Certain types of cars always require non-standard car insurance, including classic cars, antiques, and cars with rebuilt salvage titles. However, depending on the nature of your crime, you might need non-standard car insurance for more than five years. Request a quote from any of the non-standard auto insurance companies listed above to ensure you get the best non-standard insurance at a fair price. Non-standard insurance companies are simply insurers that offer non-standard auto insurance policies to drivers who have special insurance needs.