Even drivers with the worst possible driving history can still be insured though. If an agent or broker is unable to find coverage for a particular risk, it doesnâ??t mean that there isnâ??t an insurer willing to cover it. No single agent or broker will have access to all auto insurers doing business in your state.

The three segments of the auto insurance market you should know about are:

• Preferred market -- This market features the lowest premiums and it is available to low-risk drivers with exceptional driving records.
  
• Standard market -- This market refers to the average driver who uses family-type cars and has a reasonably good driving record.
  
• Non-standard market -- This market includes young drivers with less experience, drivers with multiple tickets or accidents, and drivers with reckless or drunk driving histories.
  

Most insurers offer coverage under the first two markets, the standard or the preferred. A few corporations have several companies within their group and establish tiers that range from the preferred market to the non-standard market.

Regardless of how you shop or whose services you choose, it is important to do your homework in advance. You should:

• Know what types and limits of coverage you need.
• Ensure youâ??re dealing with an authorized company and a licensed agent or broker.

• Make sure you have the make, model and other details of the vehicle you wish to insure.
• Answer any questions about your driving record and accident history fully and accurately.
• Shop for customer service and price.

Insurance can be a sophisticated product. You need to do your homework and shop the market, regardless of whether you buy in the traditional manner or online.