Reader’s Question:

What is standard auto insurance?

Michelle

Houston, TX

Standard insurance is car insurance that one can get through the voluntary insurance industry at a preferred rate.

To help explain standard insurance I will define non-standard car insurance. Non-standard car insurance is an insurance for those motorists whose underwriting experience makes it hard or impossible to get insurance at standard or preferred rates, but who are acceptable risks to certain insurers at a higher premium.

In the standard insurance marketplace there are a lot of variations in insurance rates. Shopping is the best way to find the best insurance rate with the best protection.