How To Get Car Insurance Without A Car

Are you looking to buy cheap car insurance soon but don’t have a vehicle? Having non-owner auto insurance can provide financial protection against third-party liability if you’re involved in an automobile accident. Non-owner car insurance allows you to get car insurance without owning a vehicle.   

This type of coverage is designed to fill in any gaps after standard car insurance policies. Non-owner auto insurance provides peace of mind when you need to borrow or rent a car or are just driving the occasional vehicle you do not own. We’ll go over how non-owner car insurance works and what benefits it provides so that you can make an informed decision about your coverage needs.

Understanding Non-Owner Car Insurance

Non-owner car insurance is liability coverage for drivers who don’t own a vehicle and provides protection in an accident involving injuries or damage to other people’s property. Non-owner auto insurance is coverage designed for people who don’t own a car, or those who use rental cars, borrow vehicles from friends and family, or participate in car-sharing services.

In terms of non-owner policies, companies may offer varying levels of protection depending on personal needs or what state someone lives in. However, most include some form of liability coverage. This typically covers bodily injury and property damage, which helps cover expenses incurred due to accidents involving drivers who do not have their own vehicles insured.

In addition, this type of coverage can also help protect drivers financially. Non owner coverage protects from lawsuits and financial hardships resulting from medical bills or repairs needed due to an accident they were involved in while operating a rented vehicle without its own comprehensive policy.

How To Get Non-Owner Car Insurance

To obtain a non-owner car insurance policy, drivers need to provide proof of a valid driver’s license. To begin the process of purchasing non-owner car insurance, check with your current auto insurer for policy eligibility and potential discounts. 

Next, compare quotes from different companies to make sure you’re getting the best coverage at a good price. Insurers may require additional information, such as persons driving record. It is important to review your policy options carefully before deciding on a specific policy.  

Benefits Of Non-Owner Car Insurance

While non-owner car insurance policies won’t usually include comprehensive and collision coverage like traditional auto insurance policies do, they can still be very beneficial for individuals looking for some protection while driving a borrowed or rented vehicle.

For instance, if you’re borrowing your parents’ SUV for an out-of-state family vacation, non-owner car insurance will provide peace of mind in case you were to get into an accident and need to pay for damages.

Similarly, if you increasingly find yourself needing to rent cars due to travel needs, having a non-owner policy means ensuring that any potential costly accident will be covered up and to the policy’s limits. 

What Does Non-owner Auto Insurance Cover?

In short, non owner auto insurance will provide coverage similar to liability auto insurance. The coverage will kick in after you are in an accident you were found liable for. The downside of non-owner auto insurance is you will not be compensated for damages sustained to your automobile or injuries to passengers that you cause. Liability coverage does not pay for damages to your vehicle. Most non-owner policies provide legal protection in the event you are sued for damages.  

Types of Liability Insurance:

• Bodily injury liability: This will cover medical costs and sometimes loss of income, depending on the policy.  
• Property damage liability: Will cover damages to the other parties’ automobile and property.

How Much Does Non-Owner Car Insurance Cost?  

Non owner auto insurance is cheaper, in general, than a regular insurance policy. Rates typically fall between $300 to $650 a year. The rates you pay for non owner auto insurance will be based on a variety of factors, including:

• The Age of The Driver
• Vehicle Being Insured
• Zip Code
• Marital Status
• Credit Score  

What Carriers Offer Non Owner Car Insurance? 

Most major auto insurers offer non owner auto insurance. These include:

• State Farm
• Allstate
• Nationwide
• USAA
• Farmers
• Liberty Mutual 
• Progressive
• Mercury
• Esurance  

Conclusion

Non-owner car insurance is an important type of coverage for drivers who don’t own their own vehicles. It provides liability coverage for any claims made if a driver causes damages or injuries in an accident, without purchasing additional insurance from rental companies or borrowing money from others.

Not only does non-owner car insurance protect against financial losses and added expenses that could come with an at-fault accident, but it also helps provide peace of mind while driving borrowed vehicles. To compare non owner car insurance where you live, enter your zip and fill out an online application. Save more on the coverage you need today with direct rates.