Standard or Non Standard
Auto Insurance could be quite frustrating especially if you
have a TICKET’s or CLAIM’s this will determine the placement of the Standard or
Non standard Carrier.
If you are a bad driver and you know it please do not lie to
us when agents ask “ Have you had any Violations or Accidents in the past 3
years” and you say Ah I don’t remember, because most of us remember when
we get pulled over for speeding or hit someone, it is in there and to quote you
correctly without costing agents money to run your MVR Report it helps to be
honest.
So if you are one of these drivers you need to be in the
high risk class or NON STANDARD now there is nothing wrong with this because if
you pay your premiums you cannot be canceled for Bad Driving or inexperience driving
three years or less but you will pay a much higher premium but you will get
covered.
Those in the Standard policies enjoy their accident free discounts
and so on blah blah blah , but when it comes to adding a teenage driver it’s the wonder why has my rates jumped so high
because I added my child? Yes adding a new driver with zero experience can add
about six hundred to a thousand dollars to some auto policies.
The most misunderstood is the NON OWNER Policy this coverage
is if you do not own a vehicle but still drive others autos you should still
get liability coverage so you do not get sued for the liability or screw up the
persons insurance that you borrowed the car from.
