Auto Insurance quotes from multiple carriers. Get Quotes
Home insurance that fits every size home and every home value. Get Quotes
Take care of the ones you love by getting Life Insurance. Get Quotes
SR-22 Insurance Get Quotes
Home/Renters Insurance Get Quotes
Renters Insurance Get Quotes
Low price. High value. Great service. Get Quotes

Cars on Busy HighwayShopping for car insurance can be a bit confusing if you're not sure what you're looking for. It's smart to brush up on the basics so you know what you're buying and how it can benefit you.

One thing you need to be familiar with is the level of risk you present to an insurance provider. This risk level is assessed based on a variety of factors, including your driving record, the type of car you drive and local crime rates. Low-risk drivers — those with very few tickets or accident on their driving record — could find it easier to get auto insurance coverage. But there are options for everyone.

Standard Auto Insurance

Low-risk drivers are those with clean driving records, good credit and no criminal background. These individuals will likely find it easy to qualify for standard auto insurance. This type of coverage generally features low rate, since the insurer is taking on less risk in insuring these customers.

Non-Standard Auto Insurance

Drivers who present a higher risk to insurers might only qualify for non-standard auto insurance. High-risk drivers are those who have been convicted of a DUI, who have been in multiple accidents, who suffer from poor credit, who let their insurance lapse, who were caught driving without insurance or who displayed other risky driving behaviors.

Non-standard auto insurance is likely to cost more than standard coverage, since it's designed for drivers who present a greater risk to insurers. It also may be more difficult to find a policy that you qualify for. Fortunately, your independent insurance agent can search for a fitting policy on your behalf.

Regardless whether you qualify for standard or non-standard auto insurance, we'll help you get the right coverage for your needs. Call Cloverleaf Insurance at (800) 530-5822 for a free auto insurance quote.
Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

View Mobile Version
American Modern
The General