Category Archives: High Risk

Non Standard / High Risk Auto Insurance

What is High Risk Auto Insurance?

Many people have less than perfect driving records. High-risk insurance, or more commonly “Non-Standard” insurance, refers to an auto insurance policy that is given to a high-risk driver. The Ryan Hayes Insurance Brokerage (RHIB) specializes in providing coverage for those drivers who are considered “high risk.”

More people today are categorized as high risk than there were just a decade ago; as a result, non-standard auto insurance policies are much more common. How do you know if you’re considered a “high risk” driver?

  1. If you’ve had your license suspended or revoked and requires an SR-22 policy for reinstatement. The Registry of Motor Vehicles in your state will notify you if you require an SR-22 policy. The RHIB can help you acquire the proper documentation for reinstatement online within minutes.
  2. If you are 70 years old or older. While some insurers view you as “high risk,” The RHIB views you as an experienced driver who deserves an affordable auto insurance policy.
  3. If you are 20 years old or younger. Again, while other insurers view you as “high risk,” The RHIB believes you deserve a fair auto insurance quote and we won’t penalize you because of your age. Instead, we’ll work to customize a policy that fits your insurance needs and your budget- low cost auto insurance made easy.
  4. If you have a history of auto accidents or violations. Other insurers may try to keep you off the road, but The RHIB can give most drivers an auto insurance policy that will keep them insured. We’ll even offer you discount points over time for keeping a clean record and being a cautious driver.

In the past, high risk auto insurance was difficult to come by and usually so costly that few drivers could afford it.  Luckily, The RHIB has helped countless drivers secure affordable high-risk auto insurance. We offer non-standard policies with the same flexible rate plans and outstanding customer service as our standard policies.

Get a free auto insurance quote in 24 hours less and let us help you get on the road, legally.