To get a list of companies that sell non-standard auto insurance, contact your insurance professional, your state insurance department or Roughnotes, a company that serves the independent insurance agent market and can refer you to the appropriate brokers. They also may be able to sell you more comprehensive coverage than is available through assigned risk pools. Get a policy from a private insurance company that specializes in “high-risk” drivers –These insurers write "non-standard" policies for people with bad accident records, high-performance cars, or who live in high-risk neighborhoods.To find the assigned risk pool or the equivalent in your state, ask your insurance professional or the state insurance department. While risk pool premiums are substantially higher than insurance obtained directly with a private company, they do provide auto coverage no matter what the driver's history. Each insurer must accept the motorists assigned to it by the state. Join a state assigned risk pool – Auto insurers participate on a voluntary basis in state assigned risk pools.However, if several insurers have denied you, you may need to consider these options: If you're denied insurance, the first step is to call another insurer-different companies have different parameters. You own a special or high performance car – Custom or classic vehicles have their own insurance needs.You live in an area where theft and vandalism losses are high – The increased possibility of body damage, of stolen car parts-or of an entire stolen car-can make insurers turn you away.You have a bad credit rating – Many insurers use credit information as a predictor of risk, as people who do not effectively manage their credit tend to make more claims.A history of insurance violations or lapses for non-payment will also make you a poor risk. You have no insurance record or a bad insurance record – If you haven't owned your car very long, you're an unknown risk.You have not driven long enough – It's harder to insure teenage drivers because of their inexperience behind the wheel, (and their greater tendency toward unsafe behaviors associated with youth).You have a poor driving record – A history of collisions, traffic violations or DUI/DWI convictions make it difficult-and extremely expensive-to get insurance.But you might find it difficult to get a policy through traditional private insurance companies if you are a high risk to them because: Having auto insurance is necessary in order to legally drive a car in the United States. Why you might be denied traditional coverage
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