Many motorists find obtaining automobile liability insurance with standard carriers at regular rates difficult or impossible because of their age, occupation, driving habits, moral habits, and other issues. The nonstandard market provides coverage to these drivers at surcharged rates usually based on the insured's accident and driving violation conviction record. The insurance company considers a number of factors when it decides whether or not to write this coverage in a given state or locality. This explanation of insurance benefits is provided by Insurance Marketplace.