Reader’s Question:

I just moved here in Anchorage, Alaska, and I bought a used car. what’s the difference between standard and nonstandard insurance? Or when do I apply for one and not the other? Which is better?

Karen

Anchorage, AK

Hello, Karen. Choosing between standard and nonstandard auto insurance is really not a matter of preference or cost-efficiency. The insurance companies will be the one to decide which one is most suitable to you. Standard insurance is the one we usually have. It’s for drivers with few violations, regular, virtually, risk-free jobs, healthy (or not very, very sick), etc. Basically, it’s what average Joes (and Joannes) like you and I purchase. Standard insurance costs less than non-standard insurance. Non-standard insurance is usually purchased by those with motor vehicle violations or have recently figured in an accident. if you have several minor violations, you will be a likely candidate for nonstandard car insurance.

If you figured in a DUI situation, the state will require you to have nonstandard insurance. Another reason why others have non-standard insurance is because of a high-risk job or lifestyle. A race car driver or a movie car-chase stuntman may not likely be offered standard car insurance because of the risks of their lifestyle. A person who owns a sports car will most likely be offered nonstandard auto insurance. This can also be influenced by the result of the medicals exam and background checks done by the car insurance company. Simply put, if you are deemed to be a high-risk driver, you will be offered nonstandard insurance. To check which one is suitable for you, you should contact an auto insurance company there in Anchorage, AK.

Tags: auto insurance, high risk insurance