Premium Car Insurance

The term "Premium car insurance" can refer to two things. The most common usage describes a car insurance premium, the amount you pay each month (or each year) to keep yourself insured. It's the same as your car insurance bill.

"Premium car insurance" can also refer to a car insurance policy for low-risk drivers with a good driving record. This contrasts with "nonstandard car insurance", which may be offered to a driver with a DUI, many smaller driving infractions, or someone who has let their insurance policy lapse in the past.