Do you know the difference between a standard or preferred policy versus a nonstandard policy? Most people don’t.
I run into several situations with clients who are switching to us, who did not realize they had a nonstandard policy. A standard or preferred policy is for average drivers with decent driving record and credit scores. A nonstandard policy is for risky drivers, those that have a lot of speeding tickets or have a younger driver, a lot of specialty cars are also covered under nonstandard policies. Nonstandard policies are not bad, but sometimes they can have a lot of exclusions, that can put you at a disadvantage.