NON-STANDARD BASIC AUTO INSURANCE FOR CALIFORNIA OVERVIEW:

Non-standard Auto Insurance is a term to classify insurance sold to drivers whose risk factors makes it difficult or impossible to obtain insurance at standard or preferred rates. Some companies work only in the non-standard auto insurance business, while others file rates that are tiered into non-standard, standard and preferred tiers.

Here are some common reasons you may be in the non-standard auto insurance tier:

Salvage Title: If you own a car that has a salvage title, you won’t necessarily pay more for auto insurance, but you may be denied comprehensive insurance for various reasons.

High-risk Driver: You may be labeled a high-risk driver by insurance companies due to multiple accidents, violations, claims, or any combination of the three.

SR-22: If you need to carry an SR-22 to claim financial responsibility, it’s likely because you had a conviction, such as a DUI or reckless driving. Most insurers will file the form with the state to prove you have coverage. You’ll have to pay a one-time filing fee, typically about $35, on top of the premium.

Non-Owner Car Insurance: If you want to insure yourself as a driver without owning a car, you need non-owner car insurance. Insurance companies generally charge less for a non-owner policy.