Home » 5 Tips for Getting the Best Rate for Non Standard Auto Insurance Coverage
April 15, 2013

5 Tips for Getting the Best Rate for Non Standard Auto Insurance Coverage

As a driver, if you do not have a negative driving history, you are eligible for standard auto insurance coverage. Drivers who do not have clean driving records, however, may be forced to go for Illinois SR22 insurance. If your insurance company drops your coverage, or you are unable to get auto insurance due to a very poor driving record, you may be eligible for non-standard auto insurance. As you would expect, a non-standard car insurance is relatively more expensive than traditional coverage. Luckily, there are a few things you can do to ensure that you do not pay too much for your non-standard auto insurance.

Confirm the Accuracy of Your Driving Record Data

If you don’t confirm your driving history data, you may be categorized as a high risk driver on the basis of obsolete or erroneous data. There are several scenarios that might lead to this. For example, an auto insurance company can use Comprehensive Loss Underwriting Exchange (C.L.U.E.) reports to unearth information about your past claims. Though this is not bad, there is always the risk that random non-claim documentation from your past can cause the insurance company to flag you as a high risk driver. Thus, you should know the criteria your insurance company used to label you as a high risk driver, confirm its accuracy, and defend yourself if necessary.

Understand the Rating System in Your State

Driver rating systems (for the purpose of auto insurance) is not the same in all states, so find out how your state handles it. There are states with tiered auto insurance system where you will not just be labeled a high-risk driver and left to your own device. In these states, if your history is not that dismal, you will not find it very difficult to get coverage.

Shop Around

This tip is applicable to everybody shopping for car insurance, not just those seeking non-standard auto insurance. It is especially necessary, however, for a high-risk driver to consider all the options available before buying coverage. Something as simple as an online comparison can reveal huge bargains that you would not otherwise be aware of.

Seek the Help of a Skilled and Trusted Agent

If you are not confident of your abilities to find the best rates for non-standard auto insurance, you should try working with a skilled agent. Insurance laws for non-traditional auto insurance policies are usually complicated, and their coverage may also differ from one company to another. Get hold of a trusted independent agent to help you weed out through these laws, and regulations, so that you can end up with the best rates available.

As you can see, there are a few things you can do to get reasonable rates for your non-standard insurance. As a high-risk driver, it is advisable to deal with companies that specialize in this kind of insurance. Give Cloverleaf Insurance a call at 800-530-5822 for more information on non-standard auto insurance.

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