Nonstandard Auto Insurance in Dalton, GA
Drivers are placed in the nonstandard market for various reasons that can make it difficult to qualify for a standard personal auto policy. Nonstandard auto insurance exists to fill that gap. It can provide the liability protection and coverage options drivers need to stay on the road legally, even when their record or circumstances make standard carriers unwilling to extend a policy.
Who Nonstandard Coverage Is Designed For
Nonstandard policies serve a broad population of drivers, including:
- Those with recent at-fault accidents or multiple moving violations
- Drivers who have experienced a lapse in coverage
- New drivers or those who obtained a license later in life
- Drivers with a DUI or DWI conviction on their record
- Individuals who have been dropped by a previous carrier
What the Coverage Includes
Nonstandard policies are structured around the same foundational coverages as standard auto insurance. At a minimum, they meet state-required liability limits. Depending on the insurer and the driver’s profile, policies may also include collision, comprehensive, medical payments and uninsured motorist coverage, though availability and pricing vary by carrier and state.
How Premiums Are Determined
Rates in the nonstandard market reflect the factors that led a driver to that market. Driving history, the length of any coverage lapse, vehicle type and geographic location can all influence what a carrier will charge.
Speak to a Licensed Agent Near You
Absolute Insurance Agency LLC can give you access to multiple nonstandard carriers at once. Contact us today to review your options and get coverage from a carrier suited to your current situation.