Nonstandard Auto Insurance in Georgia

In the diverse world of auto insurance, policies are not one-size-fits-all. Different drivers have different circumstances, and one of the options available to meet specific needs is nonstandard auto insurance. This type of insurance may be essential for drivers and vehicles assessed to be particularly risky, offering options to those who might otherwise be unable to find coverage.

What Is a Nonstandard Auto Insurance Policy?

A nonstandard auto insurance policy is designed for drivers who are considered high risk. These could be individuals with a poor driving record, inexperienced drivers or those with a high number of traffic violations. These policies can provide necessary coverage for Georgia motorists should other types of auto insurance be unavailable.

Nonstandard auto insurance policies may also be suitable for drivers who own high-risk vehicles, such as high-performance or exotic cars. While these policies typically come with higher premiums, the cost of failing to retain adequate coverage could lead to far greater losses and expenses down the road.

What Is the Difference Between Standard and Nonstandard Auto Insurance?

The primary difference between standard and nonstandard auto insurance lies in the level of risk the insurer is willing to take. Standard auto insurance policies are typically offered to drivers with clean driving records and good credit scores. These policies usually come with lower premiums and may provide comprehensive coverage.

On the other hand, nonstandard auto insurance is tailored for high-risk drivers who might not meet the criteria for standard insurance. The premiums for nonstandard insurance are typically higher due to the increased risk associated with insuring high-risk drivers. However, it still provides a necessary opportunity for these drivers to get insured and drive legally.

Get the Right Coverage

At Guardian Insurance, we proudly serve motorists, families and businesses in the Lilburn, Buford and Roswell areas. Contact us today to learn more about nonstandard auto insurance or to compare personalized quotes.