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 not declared bankruptcy within the last 10 years 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 To file a form SR-1 If the above does not apply, you might be a considered a "Preferred" or "High Risk" driver. If you are high risk, you have to become standard before you get to preferred. As a standard driver, aspire to become preferred to lower your car insurance rates by 20-50 percent. To find out, we recommend ComparisonMarket.Why use our advice when purchasing your auto insurance? Licensed car insurance agents available to answer your questions.
Get great prices on auto insurance with several clicks! Comparison of the actual numbers with similar policy limits. You can make your selection from a variety of carriers, online. You are considered a potential client, not a one time "sales lead." No personal information needed. Select coverage instantly once you choose a carrier and get electronic verification in minutes. | 
