Non-Standard Auto Insurance in Dallas, GA

Not all drivers qualify for traditional or “standard” auto insurance policies. For those who are considered higher risk, non-standard auto insurance offers an alternative. This type of policy is designed to help individuals maintain the legally required coverage to stay on the road, even when their driving history or other factors make standard policies unavailable or more costly.

What Is Non-Standard Auto Insurance?

Non-standard auto insurance is coverage tailored to drivers who don’t fit the typical profile insurers look for when issuing standard policies. While it still offers the core benefits of auto insurance, it is usually intended for individuals who present a higher likelihood of filing claims.

Who Qualifies for Non-Standard Auto Insurance?

Drivers who may need a non-standard policy include:

• High-risk drivers, such as those with multiple traffic violations or accidents on record.
• Individuals with poor driving history, including past DUI or reckless driving convictions.
• Inexperienced drivers, such as young drivers with limited time behind the wheel.
• Drivers with coverage gaps, meaning periods without active insurance.

In short, anyone who doesn’t meet the underwriting requirements for standard coverage may qualify for non-standard insurance.

How Does It Differ From Standard Policies in Coverage and Cost?

The core coverages (e.g., liability, collision, and comprehensive) are usually the same between standard and non-standard policies. The difference often comes down to cost. As non-standard policies are written for higher-risk drivers, the premiums are generally higher.

In some cases, coverage limits or flexibility may also be more limited compared to standard policies. Still, non-standard auto insurance gives drivers a way to meet state requirements and maintain financial responsibility on the road.

Get a Quote Today

Non-standard auto insurance is an important option for drivers who might otherwise struggle to get coverage. At Volunteer Sales & Marketing DBA Hometown Insurance, we can help you understand how these policies work and find an option that fits your needs. Contact us today to request a non-standard auto insurance quote.