Standard & Non-standard Auto Insurance in Rock Hill, SC

When it comes to auto insurance, understanding the difference between standard and non-standard policies is essential for making informed decisions. Both types of insurance serve the same fundamental purpose: to provide financial protection in the event of an accident. However, they cater to different segments of drivers and come with distinct features and considerations.

Standard Auto insurance

Standard auto insurance is typically offered to drivers with a clean driving record, good credit history and no significant claims history. These policies are often more affordable.

Insurers view standard policyholders as lower risk, which typically translates to lower premiums and more favorable terms. If you fall into this category, you can expect access to various discounts and benefits that can further reduce your insurance costs.

Non-standard Auto insurance

Non-standard auto insurance is designed for drivers who may not qualify for standard policies due to various factors. This includes individuals with a history of traffic violations, accidents or poor credit.

Non-standard policies are also available for new drivers or those with lapses in their insurance coverage. Because these drivers are considered higher risk, non-standard insurance tends to be more expensive and may offer fewer coverage options. However, it provides a crucial safety net for those who might otherwise struggle to obtain insurance.

What’s the Difference Between Standard and Non-standard Insurance?

One of the key differences between standard and non-standard auto insurance lies in the underwriting process. Insurers offering standard policies typically have stricter criteria and more rigorous assessments of a driver’s risk profile. In contrast, non-standard insurers are generally more flexible and willing to take on higher-risk drivers, albeit at a higher cost. This flexibility ensures that all drivers, regardless of their driving history or financial situation, have access to the necessary protection.

Regardless of the type of policy you have, your policy must meet the minimum coverage requirements mandated by your state. However, the additional coverage and benefits available to you may vary significantly between standard and non-standard policies.

Contact Us

Contact Insure Insurance for a personalized auto insurance quote. Our team can help you understand your options and shop around for favorable rates.