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Alternative Auto Insurance

While standard forms of auto insurance may be sufficient for most U.S. drivers, there are some special circumstances that may require alternative auto insurance. One alternative auto insurance type is SR-22 auto insurance. While SR-22 auto insurance is considered an alternative type of auto insurance, it is not optional. SR-22 auto insurance is a liability insurance policy that is required for reinstatement of your driver’s license after your license has been suspended or revoked. SR-22 auto insurance is unique because the insurance company will notify the department of motor vehicles if the policyholders’ auto insurance policy lapses or if it is cancelled or terminated. Notification in these situations is required.

In some states, you will have to carry SR-22 auto insurance for up to three years before your driver’s license is reinstated. In addition, in some states SR-22 insurance is used only in DUI cases. SR-22 auto insurance may also be required in some states to prevent suspension or license revocation. If you need SR-22 auto insurance, it’s best to search for auto insurance companies that specialize in high-risk drivers.

Another type of alternative auto insurance is called “pay-as-you-drive” auto insurance or PAYD auto insurance. Pay-as-you-drive auto insurance is a type of automobile insurance based on how much you drive during any given policy period. Pay-as-you-drive auto insurance (also called mileage-based insurance, distance-based vehicle insurance, and per-mile premiums) is a simple concept that basically says: The more you drive the more you pay, and the less you drive the less you pay.

Usage can be tracked via an electronic tracking device that is installed in the vehicle. At advanced levels, in addition to tracking driver’s usage, the device also allows insurance providers to track risk factors such as speeding or cell phone usage while driving. Much like regular auto insurance, higher-risk drivers will pay more for usage than lower-risk drivers under the pay-as-you-drive system. The average per mile rate for pay-as-you-drive auto insurance, however, is around $0.06 per mile.

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