Standard insurance is auto insurance that one can obtain through the voluntary insurance industry at a preferred rate.

To better explain standard insurance we will define non-standard auto insurance. Non-standard auto insurance is insurance for those drivers whose underwriting experience makes it difficult or impossible to obtain insurance at standard or preferred rates, but who are acceptable risks to certain companies at a higher premium.

A motorist that may be considered as a high-risk driver is someone that has a serious violation, such as a DUI, on their driving record. It also may be difficult for a driver to find standard auto insurance if they have been recently involved in a serious accident or who may have had a number of claims, accidents or motor vehicle violations in their recent past.

The nonstandard market is more of a specialized market for drivers who have a worse than average driving record or drive specialized cars such as high-powered sports cars or custom built cars. Most drivers who did not meet an insurance company’s standard or preferred risk underwriting criteria.

As with most types of insurance, there can be large variations in price when shopping for non-standard insurance. If you can keep a good driving record without claims you should be able to stay within the standard car insurance market and thus get better rates.

In the standard insurance marketplace there are large variations in rates. You may see Progressive commercials on TV that show you a comparison of standard companies. Shopping is the only way to find the best rate with the best protection. CarInsurance.com tries to offer their Online Insurance Marketplace™ to help visitors find the best rate AND purchase it without having to go through themultiple experiences required in the Progressive TV Commercials.

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For a quote on a standard auto insurance policy click here.