Access auto insurance policies are only open to drivers who require non-standard coverage. These are drivers who might find it hard to obtain a policy from other companies. They are considered high risk drivers and may have multiple tickets, credit problems, major violations or a lack or driving history. The company also markets their products to drivers that have a language barrier, are new to the U.S, have an out of country license, and those that are searching for cheap insurance. The insurer operates in 22 states and has all services accessible online apart from getting a quote.