Have you called around for auto insurance price quotes, only to be told you don’t qualify for standard rates? Do some auto insurance companies say they won’t insure you? Are the auto insurance companies willing to insure you very expensive? Welcome to the world of nonstandard auto insurance.

From my experience, the people most interested in shopping for better auto insurance, are people paying or being quoted high rates, because they’ve had a lapse in coverage, have not been licensed to drive in the US for enough time, or have tickets, claims, or accidents. Unfortunately, these are the people some insurance companies want to avoid as customers, because they are considered at being a greater risk than the average driver for claims in the near-future. Rather than qualifying for lower standard or preferred rates, these people are offered nonstandard auto insurance rates, or turned away, if the insurance company does not offer nonstandard auto insurance rates.

If most auto insurance companies consider you a high risk driver, what do you do about it? You do what every auto insurance policyholder should do at least once a year — shop for better auto rates. Nonstandard auto insurance is expensive, but if you shop around, you’ll find some companies are much more expensive than others. This blog post will give you tips about how and where to shop for nonstandard auto insurance, and what you can do to get lower auto insurance rates.

If you don’t qualify for standard auto insurance rates, some insurance companies won’t insure you, and even some agents representing insurance companies offering nonstandard auto rates, may not want your business. But It still pays to shop. There are companies out there willing to insure you, and when your car insurance is expensive, you need to find the best rate you can.

Here are some characteristics which might make you a “high risk” driver, eligible only for nonstandard auto insurance:

1. Newly licensed drivers, drivers licensed less than 3 years, or drivers with less than 3 years of reinstated driving after a suspension.

2. Drivers with a lapse in auto insurance coverage, or less than 6 months or a year current insurance history listed as a driver, or having your own car insurance.

3. Drivers with one or more major moving violations or accidents — DUI, Reckless Driving, Racing, Driving while suspended, Speeding 25 miles over the limit, etc.

4. Multiple minor moving violations or accidents — speeding, stop sign/traffic device, illegal turn, etc.

5. If you are under 25 years old or have bad credit, any claims, accidents, or tickets.

State laws often limit what an insurance company can use to decline auto insurance coverage. For example, Oregon allows an insurance company to use only a 3 year experience period for anything other than DUIs, but some states allow a 5 year period. Some states won’t allow an insurance company to decline auto insurance for not having prior auto insurance.

Your goal should be to know why you are paying higher rates, and correct the situation, if possible, so you can qualify for lower rates in the future. For example, stop getting speeding tickets, and shop your auto insurance as tickets get older, and fall off your driving record. If your insurance company options are limited or rates are hire, because you have not had auto insurance in the last year or longer, buy and maintain auto insurance without a lapse, and shop around each year, until you qualify for standard rates. If you pay higher auto insurance rates because you just received your US driver’s license, or recently had it reinstated after a suspension, know how long you need to licensed to qualify for standard auto insurance rates (it’s usually 3 years).

In the meantime, shop for the best rate you can get.

Here are some tips:

Start with quotes online from major carriers like Progressive and GEICO. Both Progressive and GEICO offer nonstandard auto insurance, and Progressive will quote other companies for you, too. Answer Financial, a national independent insurance agency representing many companies, now owned by Allstate, may be able to help you, too. Allstate, Nationwide, Farmers & American Family offer nonstandard auto insurance, but many of their agents do not want to sell it. Use the Internet or call for auto insurance quotes direct from these companies, to see if you qualify. You can use the ad above (after the third paragraph of this article) to get price quotes from most, if not all of these companies. The ad at the bottom of this blog post can connect you to an online independent insurance agency selling nonstandard auto insurance from multiple companies.

Some insurance companies, like The General, sell only nonstandard auto insurance. Claims service tends to be awful to mediocre with these companies, and coverage may be limited. I would avoid these companies, but they sometimes have very good rates. Many of these specialty nonstandard auto insurance companies are small companies, and their policies are sold by independent insurance agencies, selling primarily car insurance to high risk drivers. The larger of these agencies advertise on TV, radio, and usually have large ads in phone books stating things like, “Accidents/violations/no insurance are okay, quick SR-22 filings!” Good rates are important, but be sure to check my reviews on my home page for their complaint record.

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Are you paying nonstandard auto insurance rates? Tell me about it. Please leave a comment on my facebook page. Email me at help@smartshopyourcarinsurance.com if you have questions and would like my help. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.