High Risk Auto Insurance: How do Insurance Companies Define High Risk?

High Risk Auto Insurance: How do Insurance Companies Define High Risk?
By Cameron Jones

Regarding auto insurance, being considered “high risk” can mean different things, depending on the insurance company. In general, high risk pertains to the exposure insurance companies face with certain types of drivers. Considering them to be high risk means, based on claims experience, they’re more likely to have a chargeable accidents and / or moving violations than “clean” drivers and the insurance company will rate them accordingly for this exposure. This typically means higher premiums.

Non-Standard Auto Insurance Coverage: What is it and Why Companies Are Selling it to You

Non-Standard Auto Insurance Coverage: What is it and Why Companies Are Selling it to You
By Cameron Jones

The term “non-standard” auto insurance refers to a particular type of auto insurance designed to cover drivers who find it difficult or impossible to obtain coverage at affordable rates, if they can find it at all.