Non-Standard Auto Insurance in Albertville, AL
Non-standard auto insurance may cover drivers who may not qualify for traditional, or “standard,” car insurance policies. This type of policy is often referred to as high-risk auto insurance. It provides the essential coverage required by Alabama law, while offering flexible options to fit your needs.
Who Needs Non-Standard Auto Insurance?
You may benefit from non-standard auto insurance if you:
- Have multiple accidents or traffic violations on your record
- Need an SR-22 certificate to reinstate your license
- Have a DUI or other serious driving offense
- Experienced a lapse in insurance coverage
- Have a low credit score or limited driving history
- Are a young or newly licensed driver
If you’ve been turned down by standard insurers or quoted high premiums, non-standard coverage may be the solution.
How Does Non-Standard Differ from Standard Auto Insurance?
The main differences come down to eligibility and cost. Standard policies are available to drivers with fewer risk factors, while non-standard coverage is built for those with a more complicated driving history. Non-standard insurance may cost more, but it gives you a way to stay legal and keep driving when standard insurers say no.
How Much for Coverage?
Non-standard auto insurance rates vary depending on many factors, including driving history, vehicle type, coverage limits and location. Since these policies serve higher-risk drivers, premiums tend to be higher than standard plans. However, drivers can manage costs by choosing a higher deductible, maintaining a clean record and comparing quotes from multiple insurers. Staying consistent with payments and avoiding future violations can gradually lower rates over time.
Get Started Today
If you’re struggling to find auto insurance in Alabama, let us help. Contact Freedom Auto Insurance today to discuss your options and get a personalized quote.