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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.

Multiple prices, you delivered. Steve Kemp

Didn't switch, but helped verify I'm getting a deal Russell H.





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