Tips for Reducing Your Non-Standard Auto Insurance Premium

Auto insurance premiums can be frustratingly high, especially if you fall into the non-standard category. Fortunately, even if you’re considered a high-risk driver, there are ways to bring your rate down.

What Is Non-Standard Auto Insurance?

Non-standard auto insurance is typically for drivers who don’t qualify for standard coverage due to various risk factors. This may include a history of accidents, DUIs or a lapse in insurance coverage. Insurers may not be willing to provide standard policies to these drivers due to their heightened likelihood of filing future claims.

How to Reduce Your Non-Standard Auto Insurance Premium

Just because your current rate is high doesn’t mean it has to stay that way. By making a few changes, you may be able to lower your non-standard auto insurance premium over time. Here are some best practices to consider:

• Improve your driving record to appear less risky in the eyes of insurers.

• Take an approved defensive driving course.

• Compare premium quotes from multiple insurers.

• Raise your deductible to lower your monthly premium.

• Maintain continuous coverage.

• Assess your vehicle. Keep in mind that driving an older, lower-value car can often lead to a reduced premium.

• Pay your premium in full for the year instead of in monthly installments.

• Bundle your auto insurance policy with your renters or homeowners coverage.

Learn More

Reducing your non-standard auto insurance premium takes time and effort, but it’s possible with the right approach. Always Affordable Insurance is here to help you save on insurance costs. Contact us today to learn more.

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.