Standard Car Insurance v. Non-Standard Car Insurance

Standard insurance is car insurance that you can purchase through the voluntary marketplace. This is the insurance most people think of when they think about buying car insurance. It’s simply insurance that you get by shopping around and finding the best deal. Some people are considered high-risk and cannot get standard insurance. They must then search for non-standard auto insurance.

If you have a DUI, several traffic violation or if you are a new driver you will need non-standard car insurance. Anyone who drives any type of high powered vehicle may also need to find non-standard insurance.

Essentially, the difference between standard and non-standard car insurance is that standard is  for car owners with a good driving record and are "preferred drivers" while non-standard insurance is for people with a less than average driving record, no driving experience or a  driver with a specialized vehicle.

Also, you don’t have to be a non-standard driver to get non-standard insurance. Sometimes these non-standard insurers offer lower prices for people who could otherwise get standard car insurance.  Often, large, well-known standard insurance providers own non-standard providers and can pass on low rates.

As with all insurance, rates can vary quite a bit both between and among standard and non-standard insurance providers.

The best way to get the cheapest rate is to use our free quote service.  It will allow you to search for the lowest priced car insurance in your area and help you find both standard or non-standard car insurance.

Can I insure a foreign car in the United States?

Its most likely that you will be able to find at least one company that will insure your foreign automobile.

Your vehicle will be subject to US emission standards, as well as bumper and other safety standards. If you are shipping your car into the US, be prepared for these issues when it passes through customs. If the car passes through customs successfully, then there shouldn’t be any reason you can’t find insurance for the car.

As a reminder, you should also check with your local DMV for anything out of the ordinary they may require as far as foreign vehicles.

Finally, check here for a free quote on your foreign vehicle.

When do car insurance companies check my record?

Car insurance companies may check your driving record any time they choose. Some companies check records at periodic intervals while others check records randomly. Here are some the most common times your record could be checked:

  • When you first apply for coverage
  • A customer initiated change to the policy
  • New/Removed/Changed vehicles on the policy
  • Policy renewal time
  • Every other renewal cycle

How much will a speeding ticket affect my car insurance rate?

The amount your car insurance premium will change when you get a speeding ticket will vary quite a bit depending on the state you live in and the company you are insured through.

Some state have laws that limit how much and when your rate can change when a traffic violation occurs. Especially if this is your first ticket, then your rate may not change at all.

Also individual companies have different policies they follow as well. Some will raise your rate more if the violation is more severe, while other have exact amounts they’ll increase your rate by no matter what.

The best way to find out is to get multiple quotes with and without the speeding ticket from multiple companies. That way you’ll know the exact amount the ticket affects your rate, and you will find the lowest priced premium too. We provide free quotes to everyone for this very purpose.

California Car Insurance Law

Car insurance laws in California set minimum requirements for the auto insurance coverage a standard driver must have:

California has lower required coverage limits for members of the California Automobile Assigned Risk Plan.

$10,000 Bodily Injury Liability (per person)
$20,000 Bodily Injury Liability (per accident)
$3,000 Property Damage Liability

Insurance companies in California offer Uninsured Motorist Coverage, but it is not required by law.

California is an at-fault state and assigns fault in an accident to one party. The California court system mandates that the party found to be at fault, and their insurance company must be held responsible for the damages incurred in the accident. California allows a statute of limitations of three years for legal and insurance claims against someone at fault in an accident.

California has a Financial Responsibility law. If a driver chooses not to purchase auto insurance, they need to prove they are financially responsible in one of three ways:

1. Depositing $35,000 in cash with the California Department of Motor Vehicles (DMV)
2. A certificate of self-insurance issued by the DMV to owners of fleets of more than 25 vehicles
3. A $35,000 surety bond that is obtained from a licensed California insurance company.