Shopping 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.

We’ll help you get the right coverage for your needs. Call us for a free auto insurance quote.