"You can get insurance, but you are going to have to pay through the nose," warns Kevin Foley, a New Jersey-based independent insurance agent.
Adler says the nonstandard auto insurance market is not a place that you want to be. "Most people are not going to have to go to the nonstandard market, but those who do are going to pay a high price. They are in a bad pool. This is not a good situation."
Only time and consistent good driving can improve your status, but you should switch to a standard policy as soon as possible, says Bach. "You are going to have to be proactive and continue to shop around every time your policy comes up for renewal" until you find a better deal, she says.
Prepare to exercise patience. Even if you maintain a spotless record, you normally will be on the nonstandard market for three years, says Moraga. "There is no shortcut."