CID: Non-Standard Auto Insurance Information

Non-Standard Auto Insurance Information


Shopping for auto insurance can be difficult for those drivers who have been recently involved in a serious accident or motor vehicle violation or who may have had a number of claims, accidents or minor violations. Additionally, there may be others who, while they are accident and violation free, represent an above average risk. For example, this might include an inexperienced principal operator or the owner of a sports or high performance car. Many companies are unwilling to insure these drivers at standard or preferred rates.

A market has emerged in recent years for "Non-standard" auto insurance. This is insurance for those drivers whose underwriting experience makes it difficult or impossible to obtain insurance at standard or preferred rates, but who are acceptable risks to certain companies at a higher premium. Sometimes, "Non-standard" insurance is less expensive than the Connecticut Automobile Insurance Assigned Risk Plan, which must write insurance for almost any licensed driver. As with most types of insurance, there can be large variations in price when shopping for "Non-standard" insurance, and it is well worth a consumer's time to seek several quotes.

If one company has rejected you for underwriting reasons, you may want to consider further shopping among the many other companies writing insurance in Connecticut before trying the "Non-standard" market or the Assigned Risk Plan.

A list of companies with "Non-standard" programs follows. Since the time the list was prepared, other companies may have started writing this type of insurance while some on the list may have ceased writing it. Insurance through the Connecticut Auto Insurance Assigned Risk Plan is available through almost any licensed property-casualty producer in Connecticut.

Consumers with general questions about insurance may call the Insurance Department Consumer Affairs Division at 297-3900. A guide to Connecticut's auto insurance system is available by writing the Insurance Department at:

Connecticut Insurance Department
Consumer Affairs Division
P.O. Box 816
Hartford, CT 06142-0816

ctinsdept.consumeraffairs@ct.gov

The following is a list, in alphabetical order, of companies with "Non-standard" programs in Connecticut:

  • Allstate Indemnity Co. (available through Allstate agents)
  • American Alliance Co. (available through independent agents; part of American Financial Group)
  • American International Pacific Insurance Co., Illinois National Insurance Co. (available through independent agents; part of American International Group) 
  • Atlanta Casualty Co. (available through independent agents; part of American Financial Group)
  • Dairyland Insurance Co. (available through independent agents; part of Sentry Group)
  • Farmington Casualty Co. (available through independent agents; part of Travelers Group)
  • GEICO Casualty Co. (available through GEICO)
  • General Insurance Co. of America (available through independent agents; part of Safeco Group)
  • Graphic Arts Mutual: Access Program (available through independent agents, part of Utica Mutual Group)
  • Infinity Insurance Co. (available through independent agents, part of American Financial Group)
  • Metropolitan General (available through Metropolitan agents)
  • Nationwide Mutual Fire Insurance Co. (available through Nationwide agents)
  • OMNI Insurance Co. (available through independent agents; part of the Hartford Group)
  • Progressive Northern Co. (available through independent agents)
  • Regal Insurance Co. available through independent agents; part of American Financial Group)
  • Victoria Fire & Casualty Co. (available through independent agents; part of St. Paul Group)
  • Windsor Insurance Co. (available through independent agents; part of American Financial Group)




Content Last Modified on 8/25/2008 12:05:01 PM