Nonstandard Auto Insurance in Las Vegas, NV
Navigating the world of auto insurance can be a complex task, especially when considering more specialized types of coverage, such as nonstandard auto insurance. This type of insurance may not be as commonly discussed as its standard counterpart, but such policies can play a crucial role for a specific group of drivers.
What Is a Nonstandard Auto Insurance Policy?
A nonstandard auto insurance policy is typically designed for drivers who may not qualify for a standard policy due to certain risk factors. These factors could include a poor driving record, a history of traffic violations or accidents, or even being a new driver with no driving history.
Nonstandard auto insurance policies often come with higher premiums than standard policies. This is because insurance companies view these drivers as higher risk, meaning they’re statistically more likely to file a claim. Despite the higher cost, nonstandard auto insurance can provide essential coverage for drivers who might otherwise be unable to obtain insurance.
Who Needs Nonstandard Auto Insurance?
Nonstandard auto insurance is typically needed by individuals who fall into one or more high-risk categories. These can include:
- New drivers—Individuals who have just received their driver’s license and have no driving history.
- Drivers with a poor driving record—This may include drivers with a history of traffic violations, accidents or DUI convictions.
- Drivers with lapses in coverage—If you’ve had periods without auto insurance, you may be considered a higher risk.
- Drivers of high-performance or luxury vehicles—These vehicles can be more expensive to repair or replace, leading to higher perceived risk levels.
We’re Here to Help
At Affordable Insurance, we’re well-versed in the world of auto insurance and will work with motorists to help them find the best available coverage options. Contact us today to learn more or visit our website to get an instant quote.