Are You A "Standard Driver" For Auto Insurance?
While you may not qualify for the cheapest preferred rate, most of us are Standard drivers, and will not suffer the 200-400% premium hikes the highest risk drivers face.
Standard consumers are those insurers believe to be a little, but not much, more risky than the Preferred driver. They qualify for coverage by the company with slightly less restrictive underwriting guidelines and somewhat higher rates-generally about 25 percent to 30 percent above Preferred driver premiums.
You could be a Standard Driver if you have:
 Only 1 ticket or minor accident
Less than perfect (but not horrible) credit
Have never declared bankruptcy Live in a middle income area
Standard Drivers do not have:
Speeding or reckless driving tickets
Multiple accidents
Convictions for DUI
To file a form SR22
If the above does not apply to you, you might be a considered a "Preferred" or "High Risk" driver.
The Bottom line: You may not be a Standard Driver now. If you are high risk, you have to become standard before you get to preferred. As a standard driver, aspire to Become Prefered to lower your car insurance rates by 20-50%. To find out, we recommend ComparisonMarket.
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Multiple prices, you delivered. Steve Kemp
Didn't switch, but helped verify I'm getting a deal Russell H.
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