Non-Standard Auto Insurance in Tampa, FL
is a type of car insurance designed for drivers who may not qualify for standard policies, typically due to factors such as a poor driving record or multiple accidents. If traditional insurers have turned you down or quoted high premiums, non-standard auto insurance may be a solution.
Who Needs Non-Standard Auto Insurance?
Drivers who may benefit from non-standard auto insurance include:
- High-risk drivers with a history of violations or claims
- Individuals required to file an SR-22 form with the state
- New drivers or those with limited driving experience
- Drivers with a suspended or revoked license seeking reinstatement
How Does It Differ from a Standard Policy?
While standard auto insurance offers similar basic coverage, such as liability, collision and comprehensive coverage, the main difference lies in eligibility and cost. Non-standard policies often include higher premiums, stricter payment terms and fewer discounts. They may also require larger down payments or offer limited policy customization.
Both types of insurance may cover the same losses, but non-standard insurance is tailored for drivers who might not qualify for standard coverage rates due to their driving history.
How Do Insurers Determine Non-Standard Policy Rates?
Insurance companies assess a driver’s overall risk level before setting non-standard auto insurance rates. Key factors include driving record, number of past claims, type of vehicle, location, and credit history.
A driver with multiple violations or at-fault accidents is perceived as more likely to file future claims, which can result in higher premiums. In some cases, insurers also consider whether the driver has maintained continuous coverage, as gaps in insurance can lead to increased costs.
Get Started Today
Xpress 2GO Insurance Agency can help you secure non-standard auto insurance in Tampa and beyond. Our team collaborates with multiple carriers to compare options and tailor coverage to your specific needs. Contact us today to discuss your options and get a personalized quote.