Can You Move from Non-Standard to Standard Auto Insurance?

If you currently have non-standard auto insurance in Alabama, you may be wondering if it’s possible to transition to a standard policy and what that process involves. At Freedom Auto Insurance, we understand that many drivers want to improve their coverage options and secure better rates.

Understanding Non-Standard vs. Standard Auto Insurance

Non-standard auto insurance is typically designed for drivers who may have difficulty qualifying for standard policies. This can include individuals with a history of accidents, traffic violations, lapses in coverage, or those who are newly licensed. Non-standard policies often come with higher premiums and fewer coverage options.

Standard auto insurance, on the other hand, is available to drivers who meet certain eligibility criteria, such as a clean driving record and consistent insurance history. These policies usually offer broader coverage choices and more competitive rates.

Why Make the Move?

Transitioning from non-standard to standard auto insurance can offer several benefits:

• Lower premiums and better rates
• Access to more coverage options
• Improved financial protection in the event of an accident

Steps to Transition From Non-Standard to Standard Coverage

1. Improve your driving record. Safe driving over time can help you qualify for standard insurance. Avoid traffic violations and accidents whenever possible.
2. Maintain continuous coverage. Keeping your policy active without lapses demonstrates responsibility to insurers.
3. Pay down outstanding fines. Clearing up any unpaid tickets or legal issues can improve your eligibility.
4. Review your credit. In Alabama, insurers may consider your credit history when determining rates and eligibility.
5. Shop around. Once you’ve improved your profile, compare quotes from different insurers to find the best standard policy for your needs.

How We Can Help

Our team specializes in helping Alabama drivers navigate the transition from non-standard to standard auto insurance. We’ll review your current situation, offer personalized advice, and connect you with policies that fit your needs and budget.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.