Standard vs. nonstandard car insurance

Nonstandard auto insurance is designed for high-risk drivers. While standard auto insurance covers most drivers, those who have serious driving infractions, get caught driving without insurance or have had their insurance canceled or nonrenewed are often seen as riskier to insure and may be labeled as high-risk drivers. For these drivers, insurers often charge higher rates and may even refuse coverage. Below, Bankrate’s insurance editorial team explains when you might need…