Non-owner car insurance is geared toward those who:
If you cause an accident while borrowing or renting a vehicle, a non-owner policy would cover damages to other people’s vehicles and property. The largest limitation is you would not have coverage if you were driving a vehicle you own or use often.
Non-owner car insurance doesn’t cover damages to the vehicle you’re driving. Typically, non-owner car insurance doesn’t include coverage for your property, the car you’re driving, or injuries you might suffer in an accident.
When you rent a vehicle, the rental company might offer similar coverage, however, the daily cost of this coverage can add up, especially over an extended period of time. For example, if you rent a car for more than 10 total days a year, a non-owner policy might be cheaper than the car rental company’s insurance.
A non-owner policy is a cheap car insurance alternative to a regular car insurance policy. The cost depends on factors such as how much coverage you’d like and your driving history. Non-owner policies usually don’t carry a deductible and will have coverage limits.
Policies are purchased on a “per-driver” basis, so each person obtains his or her own insurance.
Given some of the unique aspects of the policy, we prefer to discuss it with you over the phone. We would be happy to find the right policy for you. Simply call 888-344-4357.
Yes we can. If your state requires insurance coverage for drivers who don’t own a car but have incurred major violations such as DUI or DWI, a non-owner policy is an affordable, responsible way to satisfy that requirement. Learn more about what happens when you get a DUI/DWI and information if you need to get an SR22.
Yes. Many insurance companies consider drivers without six months of continuous coverage to be high-risk drivers, which leads to higher rates and/or surcharges.
Even though car insurance might not be required in your state, it’s always a good idea to check out what options are available. A non-owner car insurance policy can help you protect yourself against possible financial hardship if you were to cause an accident.
Have further questions or want to know how much a non-owner car insurance policy might cost? Get a fast quote, or call us at 888-344-4357.