In general terms, “standard automobile” is the coverage offered to most motorists and car owners that present no substantial added risk for the insurance provider as well as don’t have any particular conditions that leads the insurance company to think they can be a lesser risk than other drivers.
What sort of motorists normally qualify for conventional insurance?
Insurance companies make their very own decisions regarding risk groups so somebody who’s regarded as a standard risk by one insurance company may be considered nonstandard by another insurance company. In case your history is a bit borderline, yet in general your insurance agent or broker might have the ability to help locate a policy to you that leaves you about the side of the line :
You’ll be below the age of seventy, that’s because insurance companies connect individuals over this age with the increased risk due to health issues, it’s not that the elderly driver will probably be more dangerous and cause an accident however they’re prone to be in an accident because their health might be enduring due to their age
You’ll even be over age of twentyfive and that’s because younger drivers are also regarded as a more dangerous proposition for an insurance provider.
You’ll also have a pretty good record of driving safely which means minimal numbers of moving violations (that’s driving offences committed as the car is in motion) and a great record of not making claims against your insurance (after all if you earn a claim every other month – you’re definitely a greater risk than someone who never makes a claim within the life of the policy)
However, in case you’ve had your license suspended or revoked recently you’ll be unable to locate normal insurance with any insurance company, in this instance the insurance company knows that the law considers you to really be high risk and might really be justified in imposing a high premium on your coverage.