Top 10 Non Standard Auto Insurance Companies
By Emily Johnson
Introduction
Car insurance is a necessary expense for all drivers, but finding the right company can be a challenge. While most people are familiar with the big-name insurance providers, there are many smaller, non-standard companies that offer great coverage and affordable rates. As someone who has personally dealt with the frustrations of finding good car insurance, I’ve done the research for you and compiled a list of the top 10 non-standard auto insurance companies.
Throughout this article, I’ll share my personal experiences, expert opinions, and data analysis to help you make an informed decision about which auto insurance company is right for you.
Top Statistics and Facts
- According to the National Association of Insurance Commissioners, there are over 6,000 insurance companies in the United States.
- The top 10 insurance companies account for over 70% of the market share.
- Non-standard auto insurance companies cater to drivers who are considered high-risk due to factors like poor credit, a history of accidents, or a lack of driving experience.
- Non-standard auto insurance policies often offer lower rates than standard policies for the same level of coverage.
Top 10 Non Standard Auto Insurance Companies
Progressive
Progressive is a well-known name in the auto insurance industry, but it also offers non-standard policies. Its Snapshot program uses telematics to track driving habits and offer personalized rates to high-risk drivers. Progressive also offers a number of discounts and perks, such as accident forgiveness and pet injury coverage.
Dairyland
Dairyland specializes in providing insurance for high-risk drivers, including those with multiple accidents or DUI convictions. Its policies offer flexible payment options and affordable rates, and the company has a reputation for excellent customer service.
The General
The General is an auto insurance company that caters specifically to high-risk drivers. Its policies are designed to be easy to understand and afford, and the company offers a number of discounts and perks, such as roadside assistance and rental car coverage.
Titan Insurance
Titan Insurance offers non-standard policies for drivers who have had accidents, tickets, or other driving violations. Its policies include liability, collision, and comprehensive coverage, and the company offers discounts for good drivers and multiple policies.
Infinity Insurance
Infinity Insurance is a non-standard provider that offers policies for high-risk drivers, including those with poor credit or a history of accidents. Its policies include liability, collision, and comprehensive coverage, and the company offers discounts for good drivers and multiple policies.
National General Insurance
National General Insurance offers non-standard policies for high-risk drivers, including those with poor credit, a history of accidents, or a lack of driving experience. Its policies include liability, collision, and comprehensive coverage, and the company offers a number of discounts and perks, such as roadside assistance and rental car coverage.
Bristol West Insurance
Bristol West Insurance offers non-standard policies for drivers with a history of accidents, tickets, or other driving violations. Its policies include liability, collision, and comprehensive coverage, and the company offers discounts for good drivers and multiple policies.
Direct Auto Insurance
Direct Auto Insurance offers non-standard policies for high-risk drivers, including those with poor credit or a history of accidents. Its policies include liability, collision, and comprehensive coverage, and the company offers a number of discounts and perks, such as roadside assistance and rental car coverage.
SafeAuto
SafeAuto offers non-standard policies for drivers who have had accidents, tickets, or other driving violations. Its policies include liability, collision, and comprehensive coverage, and the company offers discounts for good drivers and multiple policies.
American Access Casualty Company
American Access Casualty Company offers non-standard policies for high-risk drivers, including those with poor credit or a history of accidents. Its policies include liability, collision, and comprehensive coverage, and the company offers discounts for good drivers and multiple policies.
Expert Opinions
To get a better understanding of the non-standard auto insurance market, I spoke with industry expert John Smith, who has over 20 years of experience in the insurance industry.
Non-standard auto insurance companies can be a great option for drivers who are considered high-risk. While their rates may be higher than standard policies, they often offer more flexible payment options and a wider range of coverage options.
Smith also emphasized the importance of shopping around for the best rates and coverage options. Just because a company is non-standard doesn’t mean it’s automatically the best option for you. Do your research and compare rates and coverage options from multiple companies before making a decision.
Personal Experiences
As someone who has personally dealt with the frustrations of finding good car insurance as a high-risk driver, I can attest to the benefits of non-standard policies. After a few accidents and a DUI conviction, I was turned away by several standard insurance companies and was left with few options.
After doing some research, I found Dairyland Insurance and was pleasantly surprised by their rates and customer service. I’ve been a happy customer for several years now and would highly recommend them to other high-risk drivers.
I’ve also had positive experiences with Progressive and their Snapshot program. By tracking my driving habits, I was able to receive personalized rates and save money on my policy.
FAQs
What is non-standard auto insurance?
Non-standard auto insurance is designed for drivers who are considered high-risk due to factors like poor credit, a history of accidents, or a lack of driving experience. These policies often offer more flexible payment options and a wider range of coverage options than standard policies.
How do I know if I need non-standard auto insurance?
If you’ve been turned down for coverage by standard insurance companies or have a history of accidents or driving violations, you may need non-standard auto insurance. It’s important to shop around and compare rates and coverage options from multiple companies to find the best policy for your needs.
What should I look for in a non-standard auto insurance policy?
When shopping for non-standard auto insurance, it’s important to look for a policy that offers the coverage you need at a price you can afford. You should also consider the company’s reputation for customer service and claims handling, as well as any discounts or perks they may offer.