Standard liability auto insurance is the most basic auto insurance coverage available to drivers who are considered an average risk. Certain qualifications must be met to be eligible for a standard auto insurance policy. Drivers that have a clean driving record and a small number of claims usually qualify for a standard auto insurance policy.
The type of vehicle can also affect the ability to purchase a standard auto policy. Furthermore, most auto insurance companies will rate drivers on numerous categories including age, gender, and credit history. Other types of insurance can be added including comprehensive and collision for further protection.