Non-standard auto insurance is designed for drivers considered higher risk and may not qualify for standard insurance policies due to factors like a poor driving record or a history of traffic violations. This type of insurance offers specialized coverage options to meet the unique needs of these drivers, ensuring they can still get appropriate coverage.

Contact The Insurance Pad, LLC in Beachwood, Ohio, for personalized non-standard auto insurance quotes.

Standard vs. Non-standard Auto Insurance

Your agent can help you understand whether you need non-standard auto insurance. In general, the following may apply:

• Standard auto insurance is typically offered to drivers with a clean driving record, low-risk profiles and an average credit history. These policies are straightforward and encompass a wide range of coverage at competitive rates.
• Non-standard auto insurance may be appropriate for drivers who can’t qualify for standard insurance. Non-standard auto insurance may help cover these drivers by offering specialized policies for higher risks.

Who Needs Non-Standard Auto Insurance?

Non-standard auto insurance is not a one-size-fits-all solution, but it serves an essential purpose for specific drivers. You might need non-standard car insurance if you fall into any of the following categories:

• Driver profile—This includes individuals with a DUI/DWI on their record or multiple traffic violations in a short period.
• Credit history—This targets those with lower credit scores seeking auto insurance coverage.
• Vehicle type—This caters to owners of unique or high-performance vehicles that represent a higher risk.
• Lapse in coverage—This helps those with a gap in their insurance history.

Contact Us

Choosing the right non-standard auto policy requires careful consideration of your needs and circumstances. The Insurance Pad, LLC specializes in helping Ohio drivers understand their insurance options to find appropriate coverage at favorable rates.