Windhaven Car Insurance Review & Ratings (2022)
Windhaven Insurance Company was a property and casualty insurance company located in Florida. Windhaven sold non-standard car insurance policies to residents in Florida and Texas. If you are looking for non-standard car insurance, you will likely be paying for higher-than-average rates as a high-risk driver.
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UPDATED: Jun 23, 2022
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- Windhaven Insurance offered car insurance coverage and other products to residents of Florida and Texas
- Windhaven ceased offering insurance products in the spring of 2020
- Windhaven’s car insurance products were typically considered more expensive than average
As you shop around for car insurance, it’s always important to consider each and every company that could work for you. In most cases, individuals think mostly about the larger companies they’ve heard of or seen commercials for, and they consider these to be the best insurance companies to buy a policy from. However, there are a number of smaller insurance companies that can offer certain policyholders great deals when it comes to car insurance coverage.
Windhaven Insurance Company is one of these smaller companies. Windhaven is a property and casualty insurance company located in Florida. Unfortunately, Windhaven Insurance stopped offering new insurance policies in February of 2020. The company offered non-standard coverage to residents of Florida and Texas.
Since Windhaven is no longer offering new insurance policies, Windhaven car insurance is not a product you can consider purchasing. But if you need non-standard auto insurance coverage, there are plenty of other places to look. As you consider buying a car insurance policy with another company, be sure to use our free quote tool above to compare quotes and see how much you could be saving on your coverage.
Does Windhaven Insurance Company offer car insurance?
Windhaven did offer non-standard car insurance coverage to people who lived in Florida and Texas. But now that the company is essentially closed, it does not allow people to start new policies.
There may be people who still hold existing policies with the company if those policies have not yet expired. For existing policyholders, their Windhaven insurance login would allow them to see the intricacies of their insurance information.
Because Windhaven is closed, it’s difficult to know what types of coverage the company offered. However, the policies were likely fairly basic and covered the standard limits of auto insurance coverage.
Since the company offered coverage to primarily non-standard policyholders, the coverages were probably for high-risk drivers who needed to meet the minimum insurance requirements in either Florida or Texas.
As is true with any company that offers high-risk coverage, the rates for policies at Windhaven were probably higher-than-average. If you are looking for car insurance coverage and you’re not a high-risk driver, these insurance products would not have been your best option.
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What is non-standard car insurance?
To understand non-standard car insurance, you should first learn a bit about how most auto insurance companies assess a person’s liability and overall eligibility for a policy.
Insurance companies have three tiers when it comes to classifying potential policyholders:
As you can probably guess, a preferred client is a person with a clean driving record and whose life offers relatively low risks when it comes to being in an accident. A standard policyholder is essentially someone who may have a few blemishes on their driving record but is considered both responsible and reliable. Lastly, a non-standard policyholder is someone who poses the greatest amount of risk for a car insurance company.
A good example of a non-standard individual would be a person who has been convicted of a DUI or who has made multiple accident claims in the past year or two. If you do not know how to remove violations from your driving record, or if you’re unable to do so, you may need to purchase non-standard car insurance as a high-risk driver.
Because non-standard policyholders cost insurance companies more money, they typically have to pay higher rates for insurance coverage. This is where a non-standard auto insurance policy comes in.
Companies like Windhaven Insurance offer non-standard policyholders coverage, while other insurance companies may turn these individuals down. In return, these high-risk policies are more expensive to offset some of the inherent risks for the company.
How much does non-standard car insurance cost?
There’s no telling how much a car insurance company could charge for non-standard coverage. If you are considered a high-risk driver, your rates will be based on your unique information and the type of policy you want to purchase.
The table below offers average examples of standard annual car insurance rates that meet each state’s minimum legal requirements.
Average Standard Annual Car Insurance Rates by State
|State||Average Annual Car Insurance Rates|
|District of Columbia||$1,307.62|
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If you are looking for non-standard car insurance coverage, you can assume that your rates will be higher than your state’s standard average for car insurance.
Should I purchase Windhaven’s non-standard car insurance?
Because Windhaven no longer offers car insurance policies, you cannot purchase a non-standard policy with the company. But you may need to purchase a non-standard policy with another insurance company.
If you have a bad driving record or you’ve recently been in legal trouble, you may find that many car insurance companies turn down your applications for coverage. As this happens, you will want to consider a non-standard policy.
As stated earlier, purchasing a non-standard policy means you will pay more for coverage, so if you are not a high-risk driver, you should not waste your money on this type of policy. You can always speak to an independent agent who will help you determine what type of car insurance you need.
And as you shop around for car insurance coverage, be sure to compare rates from multiple companies at once to get the best deal you can on coverage. In fact, you can use our free tool below to find the coverage you need at a price you can afford.