How to Get the Cheapest Nonstandard Auto Insurance

Nonstandard auto insurance coverage is for high-risk drivers who may find obtaining a policy through traditional insurers challenging. This can include individuals with a history of accidents, traffic violations or poor credit. While nonstandard policies tend to be more expensive, there are several strategies you can use to find the most affordable rates.

Affordable Nonstandard Auto Insurance

Consider the following strategies to find affordable nonstandard auto insurance:

• Shop around and compare quotes. Different insurers have varying criteria for assessing risk and pricing policies. You can identify the most competitive rates by analyzing quotes from multiple companies.
• Look for discounts. Most insurance providers offer discounts that can lower your premium. These may include discounts for safe drivers, bundling policies and for completing a defensive driving course. Make sure to inquire with each insurer about their discounts and how you can qualify for them.
• Consider usage-based insurance. Usage-based insurance programs, which monitor your driving habits via a mobile app or an installed device in your vehicle, can provide substantial savings for safe drivers. If you drive infrequently or maintain safe driving practices, these programs could reduce your premiums.
• Maintain a clean driving record. Maintaining a clean driving record is one of the most effective ways to reduce your insurance costs over time. Avoiding accidents and traffic violations will make you less of a risk in the eyes of insurers, which can lead to lower premiums.
• Improve your credit score. Some insurers use credit scores when determining premiums. Raise your credit score by paying bills promptly and reducing debt, which may help you secure lower rates.

Learn More

Contact King Insurance today to discuss your auto insurance options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.