Standard Driver Auto Insurance

Standard driver auto insurance or "preferred driver auto insurance" is auto insurance for low-risk drivers. In general, the majority of drivers on the road will fall under the standard driver category. An auto insurance company will offer a standard driver auto insurance policy if the driver has the following:

• A clean driving record (no DUI's, moving violations, no or few traffic tickets).
• No accidents.
• No lapses in coverage (pays his/her premium on time).
• Fair credit.
• A residence in a fairly safe area.
• A low-performance vehicle.

Other factors such as age and gender may be considered as well. It is believed that younger males - especially males in their teens, represent the highest risk for auto insurance companies.

The advantages of qualifying for a standard driver auto insurance policy include:

• Lower rates.
• More options (insurance companies will compete for your business).
• Flexibility.
• Discounts and rewards based on (maintaining) a clean driving record.

To protect yourself from falling into the non-standard driver category, do your best to avoid lapses in coverage by paying your premiums on time and avoid traffic violations and accidents. Take steps to improve your credit, and if at all possible, move to a "safer" area. You can also opt for the low-performance sedan over the high-performance sports car.

If, for some reason, you end up falling into the non-standard driver category, you will be placed in your state's "high-risk" pool which means you will be subject to higher rates, which can be double, if not triple, the amount standard drivers pay.

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