Non Owners Car Insurance


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Archives for April 2012

Non-Owners SR22 Insurance Quotes

Most states require that vehicle owners carry a certain amount of auto insurance, or at least be able to prove financial responsibility in the event that they are at fault in car accidents. In order to prove financial responsibility, drivers often get an SR22 insurance policy. This proves that they have the funds available to cover the cost of damages to other parties involved in accidents caused by the insured drivers. Even those who do are not the actual vehicle owners, should have coverage, especially if they tend to borrow or rent a lot. If this sounds like you, what you need to do is get is an SR22 certification. In order to get this, you need to get non-owners SR22 insurance quotes to make sure that you are getting the best rates. That link will provide you with a lot of useful information about SR22 insurance and help you find the best prices.

non-owner sr22 insurance quotes

Vehicles in Your Household Don’t Count

If you borrow a vehicle that is owned by another member of your household, you won’t be able to use a non-owners SR22 insurance document. You also can’t use this type of coverage for any vehicle that is actually registered to you. For your own vehicles, you will need to have at least a general SR22 insurance policy. On the occasions that you will be borrowing a vehicle from a spouse or another member of your household, they need to have coverage for you, or you need to carry non-owners car insurance. You can learn more about this when you get free non-owner SR22 insurance estimates online.

Non-Owner’s SR22 Insurance

When you borrow vehicles from others or rent the cars you drive, you need to have enough coverage to at least be able to pay for damages to others that you cause if you are at fault in an accident. In fact, you may be required by law to carry insurance coverage. In the case of rental vehicles, you will most likely be required to have liability coverage, although the rental company may require that you purchase it from them when you rent the vehicle. Again, this is something you can find out about when you get free non-owner SR22 insurance quotes.

You Need More Coverage for Yourself

Just because you have non-owners car insurance it doesn’t mean that you have any coverage yourself. This is just the minimum amount of liability coverage that is required by the state you live in. If you want to have coverage that will pay for your own destruction in the occurrence of an accident where you are at fault, you will need to have a full coverage auto policy, even if you don’t own a vehicle. The only way to get around this is if you borrow vehicles that are fully insured for occasional drivers.

Shopping Around for Good Deals

You need to get quotes from different insurers in order to know that you are getting the best prices on any type of car insurance, including non-owners SR22 coverage. We can get you many free non-owners SR22 insurance quotes from many insurers in your area, as well as from national insurers. Give us your zip code, and we’ll do all the work.

Do You Need a Non-Owner Car Insurance Policy?

You may not think you need to bother with car insurance if you only drive rented or borrowed vehicles, but this is not true. If you drive a vehicle that is owned by someone else, you need to have coverage, which usually comes in the form of a non-owners car insurance policy. This is for anyone who does not drive their own vehicle, but rents or borrows cars when they need them.

When you have a non-owners car insurance policy you have the same liability protection that you would have if you had an insurance policy for a vehicle that you own. It will pay for damages caused to the property of others if you cause an accident. One thing you need to remember is that this type of coverage only protects others who have damages as a result of an accident that is your fault. You will have to pay for any of your own expenses, as there is no collision coverage with non-owners car insurance.

Should You Have More?

non-owners car insurance policy

Many people find that it is sometimes just as easy to carry full coverage auto insurance, even if they don’t have a vehicle of their own to drive. This can be a good idea for a couple of reasons. For one thing, anyone who has full coverage has no need to worry when they are using a borrowed or rented vehicle, and they will be able to take care of any of their own damages, including damages to the vehicle. You will just need to make sure that there is a provision in the policy that ensures your coverage while in vehicles that are not your own.

Another reason to carry insurance is because if do not have coverage of any kind, it makes it more difficult to get the insurance coverage when you do need it. When you are not insured, it will cost you more to get a new policy. If you already have coverage, you may even be entitled to a number of discounts, including customer loyalty discounts.

A Non-Owners Car Insurance Policy Can be Difficult to Get

The biggest problem with a non-owners car insurance policy is that it can be hard to get. Many insurance companies do not offer them at all, and those that do offer very limited coverage. In some cases, they are offered to those who have been convicted of certain driving expenses and need proof of insurance to have their driver’s licenses reinstated. It is also offered by some insurers to customers who live in larger cities, as many do not own cars due to the limited parking available, among other things. Many city dwellers tend to use public transportation for the most part, and borrow or rent a vehicle if they need one.

Renting a Car

If you are renting a car, and you just rent a vehicle whenever you need one, it is wise to have a non-owners car insurance policy. This way, if you do get into an accident and it’s your fault, you will have liability protection. It is less expensive to carry this type of coverage. The only problem with this is that many rental agencies require customers to purchase insurance from them at the time of rental.

Saving Money on a Non-Owners Car Insurance Policy

Even though a non-owners car insurance policy is traditionally less expensive than a regular car insurance policy, you can find ways to save even more money on this coverage. One of the best ways to get good rates on car insurance of any type is to always maintain a clean driver’s abstract. Many insurers will offer safe driver discounts to their customers if they have had a clean record for a certain period of time, and more discounts for every year that they continue to be safe drivers.

Other ways you can save money on a non-owners car insurance policy include:

  • Military Discounts – If you are a current or retired member of any branch of the US military you may be eligible for discounts. Many veterans find they get as much as 15% in discounts and can save upwards of $4,000 every year.
  • Driver Training Classes – You can take the same Driver’s Ed classes that teens take in high school, and many insurers will offer discounts to those who have this training. This is because you learn many valuable things, including defensive driving and how to be a safe driver, which is what insurers want to see.
  • Association/Organization Memberships – Belonging to certain organizations may entitle you to some discounts on insurance, including a non-owners car insurance policy. Some of the organizations that you can get discounts for belonging to include AARP and AAA.

Be Responsible with Borrowed Vehicles

Renting a vehicle is one thing, but if you are borrowing cars from friends and family members, you need to make sure that you have a non-owner’s car insurance policy, for a couple of reasons. For one, you don’t always know what type of coverage the person you borrowed the vehicle from is carrying. In fact, most of us borrow cars without ever thinking to ask about insurance. It may be that the person does have coverage for occasional drivers, but then again, they may not.

Another reason to have a non-owners car insurance policy is because if the owner doesn’t have insurance and you cause an accident, they will have a vehicle that is damaged, and you may not be able to afford to pay to have it fixed or replaced. You want to maintain the trust of your family and friends, so it is important to be responsible when you are using their vehicles.

Getting Insurance Quotes Helps You Save Money

  • Another great way to save money on a non-owners car insurance policy is to shop around and get free quotes from a number of insurance companies. That way, you can see what they are all offering, and decide which insurer has the best rates on the coverage you need. We can help. Give us your zip code and we will get you free quotes from national insurers and insurers in your area.