Nonstandard Auto Insurance in Bellflower, CA
Auto insurance isn’t one-size-fits-all. For drivers who don’t qualify for traditional policies, nonstandard auto insurance offers a vital alternative. At Policy Pilot Insurance Services, we can help those in Bellflower, CA who may need nonstandard coverage find suitable policies.
What Is Nonstandard Auto Insurance?
Nonstandard auto insurance is designed for drivers who are considered higher risk by insurance companies. This could be due to a poor driving record, lack of driving experience, lapses in coverage or even owning a high-performance or modified vehicle. Insurers view these factors as increasing the likelihood of a claim, prompting the need for this specialized form of coverage.
What Does My Policy Cover?
Although nonstandard policies have some differences from their standard counterparts, they are often composed of many of the same financial protections. In many cases, nonstandard auto insurance may consist of the following:
- Liability coverage for bodily injury and property damage
- Collision coverage for crash-related damage to your vehicle
- Comprehensive coverage for damage caused by fires, theft and weather
- Uninsured/underinsured motorist coverage for when an at-fault party can’t cover your losses
How Does Nonstandard Auto Coverage Differ From Standard Insurance?
There are several key differences between standard and nonstandard auto insurance policies. Specifically, nonstandard coverage may involve the following:
- Higher premiums
- Fewer policy options
- Stricter terms and conditions
Additionally, nonstandard insurers may require more frequent payments or offer fewer discounts.
Who Needs Nonstandard Auto Insurance?
Standard auto insurance may not be available to drivers who are deemed particularly risky by carriers. Specifically, you might need nonstandard coverage if the following apply:
- You have multiple traffic violations or DUI convictions on your record.
- You are a new or teenage driver.
- You have a poor credit history.
- You own a vehicle that’s risky to insure (e.g., a luxury car or highly modified automobile).
- You allowed your previous auto insurance policy to lapse.
We’re Here to Help
While it may not be ideal, nonstandard auto insurance is still a necessity for those who don’t qualify for standard policies. The right coverage can help even high-risk drivers maintain legal compliance and financial security.
Contact Policy Pilot Insurance Services today to discuss your options or get a free quote.