Non-Standard Auto Insurance Myths

Non-standard auto insurance is designed for drivers who don’t fit neatly into the standard insurance mold, often due to unique circumstances or higher risk factors. Here are some common misconceptions about this essential auto insurance type.

Myth 1: Non-Standard Auto Insurance Is Always More Expensive 

Many believe that non-standard auto insurance is prohibitively expensive compared to standard policies. The cost of non-standard auto insurance can be comparable to or even lower than some standard policies, depending on the specifics of your situation. While non-standard policies cater to higher-risk drivers, insurance providers evaluate risk factors individually, which can affect pricing.

Myth 2: Non-Standard Policies Offer Limited Coverage

Another common myth is that non-standard auto insurance policies provide less coverage than standard ones. In reality, non-standard policies often offer a full range of coverage options, including liability, collision and comprehensive insurance. Many non-standard insurance providers allow customization to fit your specific needs, ensuring adequate protection.

Myth 3: Only High-Risk Drivers Need Non-Standard Insurance

It’s a misconception that only drivers with severe issues, like multiple accidents or DUIs, need non-standard insurance. Non-standard insurance is designed for various reasons, including drivers with poor credit, those who have recently moved or those with unique vehicle needs.

Myth 4: Non-Standard Insurance Companies Are Less Reliable

Some assume that non-standard insurance companies are unreliable or have poor customer service. However, many reputable insurance companies offer non-standard policies and are well-regarded for their customer service. Non-standard insurance companies are subject to the same regulatory standards as standard insurers, ensuring reliability and quality.

Contact Us

Contact Universal Insurance Services in Chicago, Illinois, if you’re considering non-standard auto insurance or you have questions about your current policy. Our experienced agents can provide accurate information and ensure you get appropriate coverage for your situation.

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.