Non-standard Auto Insurance in Odessa, TX

If you’re in the market for auto insurance and have struggled to find a standard policy, non-standard auto insurance could be the solution. This insurance refers to policies tailored to individuals who are considered to be at higher risk by insurance companies. These policies may come with higher premiums or different coverage terms compared to standard policies.

Here are some common reasons drivers might need non-standard auto insurance:

• High-risk drivers—Those with a history of accidents, DUIs or numerous traffic violations may not qualify for standard coverage. Non-standard policies cater to these drivers by offering the necessary protection, albeit at a higher cost.
• High-risk vehicles—Certain cars, such as luxury models, sports cars or modified vehicles, may be difficult to insure under traditional policies due to their higher repair costs or likelihood of being involved in accidents. Non-standard insurers may specialize in these types of vehicles.
• Limited driving history—New drivers or those with limited or no driving history often face challenges in securing a standard policy. Non-standard insurers may be more flexible in providing coverage to these individuals.

Who Needs Non-standard Auto Insurance?

Non-standard auto policies are for drivers who face challenges when trying to obtain standard coverage.

You’re considered a higher-risk driver if you’ve had multiple accidents or received several speeding tickets. Insurers may see you as a greater liability, making it harder to find affordable coverage under traditional policies. Non-standard insurers are more willing to take on these drivers, although the premiums may be higher.

If your license has been suspended or revoked, you may need to purchase high-risk auto insurance to reinstate your driving privileges. Non-standard policies may provide coverage in such cases.

How Do Non-standard Auto Policies Differ from Standard Auto Insurance?

While non-standard car insurance provides similar basic coverage to standard policies, there are some key differences to be aware of.

Since non-standard drivers are considered high-risk, their premiums tend to be higher than drivers who qualify for standard coverage. The increased premiums are often due to the insurer’s higher likelihood of paying out claims.

Some non-standard policies may require drivers to meet certain conditions, such as making larger down payments, enrolling in a driver safety course or maintaining a clean driving record for a set period before renewing coverage.

How to Find Non-Standard Auto Insurance in Texas

Finding the right non-standard auto policy in Texas can be a bit more challenging than shopping for standard coverage. Contact HSB Insurance Agency, LLC, in Odessa, TX, for personalized non-standard auto insurance quotes from reputable Texas insurers.