Non Owners Car Insurance

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How to Get Cheap SR22 Non-Owner Insurance

If you drive in the United States, you are required to have a certain amount of auto insurance. Now, if you don’t have a car, this doesn’t stop you from needing insurance coverage. In fact, you need to have a certain amount of liability coverage no matter what state you live in, or in some cases you just have to be able to prove financial responsibility. You may also be required to have SR22 insurance for non-owners.

cheap SR22 non-owner insurance

In all but six states all high-risk drivers are actually required to carry this type of coverage to prove that they can afford to cover expenses if they cause an accident and there are damages to the property of others or those in the other vehicles involved are injured. The six states that do not require SR22 insurance are Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.

What is Covered?

You don’t have to pay as much for this type of insurance. In fact, you can find many ways to get it cheap. When you have this type of insurance, you need to remember that you don’t have the same coverage that you would with a regular, full coverage insurance policy. With SR22 insurance, you will have coverage to pay for any damages to your vehicle in the event of an accident that is your own fault. It will also cover any damages received by your passengers, the other vehicles involved, and the drivers and passengers of the other vehicles. Expenses that are covered include vehicle repairs and medical expenses.

Coverage for Those Who Don’t Own a Car

Many people don’t own cars, but they still drive often. They either rent vehicles, or they borrow them from friends or family members, or they drive company vehicles. In any case, if you are going to be driving you need to carry a certain amount of insurance to cover expenses if you are at fault in an accident. Your insurance will take care of this. Make sure you find out more about your non owners insurance policy options here. You can feel safe knowing that you are insured no matter what vehicle you drive.

If you are borrowing a vehicle, you may or may not know what type of coverage the owner has. If you are renting, you will be required to have insurance. You also need to get this insurance at a good price. This is why you need to shop around to make sure you can get cheap or discounted SR22 non-owner insurance.

Coverage if Your License has Been Suspended

If you have had your driver’s license suspended because you were caught drinking and driving, or for any other reason, you will have a difficult time getting a good deal on car insurance. You will have an easier time getting SR22 insurance, and once you have this coverage it will be easier to get your license reinstated. You need to be really vigilant about making payments, because if they lapse your coverage will be discontinues, and you will once again lose your driving privileges.

How Long Do You Need this Insurance?

When you take out this insurance policy you will be required to continue that policy for three years from the date you purchase it. If you miss any payments, even by so much as one day, you will have to get a new policy and start all over again. This is a really great incentive to make sure you always make your payments on time. To ensure that you do this, you should ask about having your payments taken directly from your bank account or credit card each month so you never forget.

Who Offers SR22 Non-Owner Insurance?

It may be that you have been dealing with one insurance company for many years, but this company may not offer this type of insurance. If this is the case and you are required to have this coverage you will have to shop around to find another insurer that does offer this type of coverage. You can get a list of all of the insurance companies in your state that offer SR22 insurance from your state’s Insurance Commission website. Once you know which insurers offer this coverage you can set out to find the insurer that is going to be able to give you cheap SR22 non-owner insurance.

If you need to have this insurance, you need to do everything you can to save money on it. You can get free quotes from insurance companies so you can be sure that you will get cheap SR22 non-owner insurance. Go online today and give us your zip code. We will get you quotes from local and national insurers in just a few seconds so you can get this type of insurance.

Don’t Drive another Day Without Non-Owner Liability Insurance

Not sure what non-owner liability insurance is or if you need it? The problem is it may be the most important coverage you will ever need, yet you may be going without it. So consider these scenarios:

non-owner liability insurance

  • You want to run some errands and plan again to use your best friend’s car. As long as you have a valid driver’s license you assume this is legal.
  • Or maybe your brother tends to borrow your truck at least once a week to haul junk to his antique store. He has a good driver’s record and you assume your own car insurance will cover anyone as a driver of your vehicle.

The problem is in both examples you may be wrong. Being misinformed or ignorant to your auto insurance protection is no excuse and you will still be financially liable for any damages that may occur. Without non-owner liability insurance this could mean all of the bodily injury and personal property damage expenses could be yours to pay, from your own pocket. This can easily be thousands and thousands of dollars. In fact, many people have had to let their homes be foreclosed on and claim bankruptcy due to incidents like this.

The Good News

It is an avoidable mistake. Getting yourself protected with non-owner liability insurance is the best ways to be certain you avoid potential problems behind the wheel. It also means making sure anyone who borrows your vehicle has this type of liability car insurance as well.

It has become much more common these days for drivers to borrow or even share a vehicle. With the rising cost of fuel and the added expense of repairs and upkeep for a car, no wonder households are beginning to revert back to the days of being a one car home. The trick is making sure that one vehicle is always protected regardless of who is behind the wheel.

What’s Included in Non Owner Liability Insurance?

Much of this may depend on the policy provider you choose or whether you opt to go with more than liability. What you should know is that even as a non owner you can get coverage to include:

  • Liability which is financial coverage for medical bills and property damage for others, if you are the at-fault driver
  • Uninsured motorist protection in case the other driver is at fault but does not have car insurance
  • PIP or Personal Injury Protection in which you are covered for your own medical and property expenses even if you are at fault

The bottom line is with this type of auto insurance you can be certain you are protected when you are behind the wheel of someone else’s vehicle. Don’t make the mistake of driving without proper insurance or letting someone else drive your car without insurance. In many cases all it takes is getting quotes, which is as simple as entering just your zip code. This way you will be sure you have the non owner liability insurance you need.

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.

Non-Owners Insurance Policy: When You Need One and Why

Not everybody who buys auto insurance even owns a car these days. If you are going to borrow or rent a car more than a few times a year, it is important to consider a limited insurance policy called a “non-owner insurance policy”. There are a number of restrictions to these policies, and you should be aware of them before making any decision.

What Non-owners Insurance Policies Will Cover

You don’t have to be a car owner to buy this type of policy- you only need to be a licensed driver who wants to protect their assets and fulfill legal obligations. Even if you borrow a friend’s car, you should still make sure that you are covered. These kinds of policies will cover:

Non-Owners Insurance Policy

  • Liability – This is the minimum required insurance in most states, covering damage to another person’s vehicle or property in the event of an accident.
  • Uninsured/under insured coverage – This covers a person that does not have any insurance at all or may have too little insurance coverage to pay for losses in an accident or other covered type of event. (very limited with this type of policy)
  • Personal injury protection – This covers the cost of injury during an accident including hospitalization and other costs.

What a Non-Owners Insurance Policy Will Not Cover

Because it is one of the most limited types of insurance policies, there are a number of restrictions for what will or will not be covered. Things that won’t be covered include:

  • Collision insurance
  • Comprehensive insurance
  • Towing assistance
  • Car rental assistance

Should You Just Get Insurance from the Rental Counter?

If you are going to rent a car, you will be asked if you want to buy the additional car rental insurance. Before you say yes, consider the costs, the coverage and the alternatives.

  • The rental insurance from the rental place is much more expensive than a non-owners insurance policy.
  • If you are going to only rent a car once a year, then rental kiosk insurance is acceptable.
  • If you know that you will be renting a car more than once or twice a year, the cost of the non-owners insurance policy might be more reasonable.

How the Non-Owners Insurance Policy Works

When you buy a non-owners insurance policy, it will cover the cost of insurance no matter what vehicle you are  driving. You can borrow from a friend or rent a car and be covered. If there is an accident, any other insurance would cover the cost of repairs, injuries and other expenses first and the non-owners policy would kick in after that insurance has reached its limits.

Shopping for the Best Price

Not all insurance companies carry non-owners insurance. In addition, it may not be available in all states or in all areas. Compare the price of insurance policies before you make a decision. Because it is such a limited insurance policy, there are typically very few discounts that can be added to the policy that would bring its costs down.

How to Guide for Non-Owners Insurance Quotes

If you have been thinking about getting non-owners insurance quotes you may already understand the value of having this type of coverage. Of course, you may not have even yet heard of non-owners car insurance. Either way, to find out more about it and get quotes you have come to the right place.

One common question drivers ponder is whether or not non-owners auto insurance is something they need. Or it may be something you need to make sure someone else has before letting them borrow your car. As the name would pretty much explain, non-owners coverage helps in cases where you are driving a car that does not belong to you.

Situations where this may be of use: Non-Owners Insurance Quotes

  • If you frequently rent a car. Although you can secure insurance through the car rental agency this can end up being a much more pricy option. Secure your own non-owners policy and save money on your fees.
  • If you are in the habit of needing to borrow a car on a regular basis, you will obviously need to secure car insurance to cover yourself as a driver. Even if the person who is lending you the car says he or she has insurance to cover you, this may not be true. Many drivers think they have this type of coverage but that is because they are only assuming so. This is also not usually intended for long term use.
  • In some cases if you drive a vehicle for work that does not belong to you, you may need non-owners car insurance. While most companies do cover the insurance, some ask drivers to secure their own. In these cases companies usually reimburse or offer an allowance for auto insurance. When you get your non-owners insurance quotes you may be able to find a rate lower than the amount your company pays you for an allowance for it.
  • You may be in the process of getting your car repaired or settling a previous insurance claim but in the meantime have no car of your own to drive. If you are using a rented vehicle or borrowing another driver’s car for an undetermined amount of time, you will need to have it insured.
  • These days many people share cars to help save on costs. Friends, roommates and coworkers may do this and divide up the cost of car payments, gas, repairs, maintenance and covering their own insurance. It is actually becoming increasingly popular for couples to share a car again, like back in the ‘50s when most households were only one car homes. Sharing a car still means having your own insurance though.

There are other reasons why someone may need to get their own non-owners policy for a car, but this should give you an idea.

What to Think about

There are other things to know or keep in mind when it comes to getting non-owners quotes and securing your policy. One of the most important things is to understand that this is not a policy that normally covers more than liability. If the car you are driving is of great value, you should consider adding on to the policy to cover things such as repairs, replacement or medical bills. The last one is especially true if you do not have health insurance.

While you can certainly find plenty of cheap non-owners car insurance rates, there are other ways to help make sure you save on your car insurance. Here are some things that affect or could help your premium rates on non-owners auto insurance coverage.

  • Your age and marital status. While you cannot change your age or get married to save a few dollars on car insurance, it is something to keep in mind for the future. Once you are over the age of 25 or get married, make sure to let your insurance carrier know. You may see your rates drop just by alerting them to this fact.
  • Your driving record. Again, you can’t do much about the past, but it should wake you up to be more careful moving forward. Tickets and accidents can cause your auto insurance rates to be much higher. This is another area where you should inform your policy provider of changes because most infractions come off your record in three to five years. When that happens your rates will drop.
  • Avoid financing a brand new sporty red convertible but do get safety features added. Even helping prevent theft with a car alarm can cause your rates to be lower.

Get your non-owners insurance quotes by using nothing more than your zip code and get started protecting yourself as a driver today.

What You May Not Know About Non-Owner Car Insurance

Think you might need non-owner car insurance but aren’t sure? If you think you are in a situation that would require having non-owner auto insurance then you probably are. The big problem is if you do need it and do not have it you won’t know until it is too late. Waiting until you have an accident and find out the hard way you should have had non-owners coverage is an expensive and frustrating mistake to make.

So how can having non-owner car insurance help you?

  • It can keep you legal – Only one state does not require drivers to carry a minimum amount of insurance to be behind the wheel legally. If you are caught driving without the proper form of auto insurance you could be looking at hefty fines and even the possibility of having to carry SR22 insurance. This is a type of an expensive insurance policy, which drivers who are considered high risk must carry. If you are caught driving without insurance you may have to get this type of coverage to be a legal driver.
  • It can keep you protected – Without insurance, you are driving illegally. What that means is that if you should be involved in a wreck even if it is not your fault, if you are not carrying the legal auto insurance you will be responsible for your own expenses.
  • It may help with a leased or financed vehicle – Having insurance for a leased or financed vehicle is one of the more important things to make sure you have in place. If you are using another person’s car that is leaded or still owned by the bank, without proper coverage the car may not be covered in the event of a wreck. This is especially true if the car is stolen or damaged to the point of being totaled out. If this happens, the car will not be covered by insurance but will still need to be paid for. You or someone will owe payments on a car but not have a car to drive.
  • It will help you avoid financial responsibility – The bottom line is that, aside from being legal, it is important to have non-owner auto insurance so you are protected in the event of an accident. Without insurance, if you are the at fault driver of a car you do not own you will have to pay for the other driver’s car repairs and medical expenses out of your own pocket. In some instances, the car could need to be replaced and that would be your financial burden. You may also have to cover prolonged hospital stays, surgeries, medications and after care like physical therapy. All of this is in addition to what you would have to cover on you end such as the expense of the car you were driving and your own medical bills. This is especially important if you do have health insurance.
  • It will prevent you from defaulting on coverage – Picture it like this: if you do not have your own car, you may think you don’t need your own insurance. So you put it off for a year until you do get a car of your own. To keep things legal you go to set up getting a policy of your own only to find out the potential premiums are sky high. Reason being? If you have a lapse of more than 30 days in auto insurance coverage you are categorized as a driver who lapsed in policy coverage. Because of this, your rates for a policy will be quite steep until you establish a predetermined amount of time to have coverage. All of that could be avoided by using non-owners car insurance to stay covered.

Who Needs Non-Owner?

You should already be seriously considering getting non-owner auto coverage if you do not already have it. If you still aren’t sure than think about this:

  • If you regularly rent a car, you should consider having a non-owners policy. Even if you usually take the insurance they offer you could be saving a great deal of money as well as be assured you have the coverage you want by getting your own non-owner policy.
  • If you regularly use a vehicle owned by a family member or friend. Even if you both assume their auto insurance policy will cover you as a driver it is better to assume that may not be the case. To prevent having any problems from this your best bet is to have your own policy. If nothing else it is better to have too much coverage than not enough.
  • If you share a vehicle with someone, again it is better to be safe than sorry. Make sure to protect yourself as a driver with this type of coverage. Having this will also ensure that the car costs are covered so that you and whoever you are sharing a car with are not left without a vehicle if something should happen.
  • To keep yourself insured at all times. Having insurance coverage even when you do not own a car helps prevent you from suffering the consequences of steep rates in the future. Don’t take a chance by not having any coverage and then finding out your rates will be astronomical when it comes time to secure your own policy.

What you should know about a non-owner auto policy is that it may not have the extensive coverage you want. Be sure to find out exactly what you want or need when it comes to your auto insurance policy and get that in place. Even if it means adding on to a basic policy, it will help prevent you from having any future problems down the road.

Want to find out just how low those rates could be? By using just your zip code you can gain access to your non-owner car insurance quotes and find out what great rates could finally get you the coverage you need.

How to Get the Best Non-Owners Auto Insurance Protection

It is not that unusual these days to drive someone else’s car or lend yours to someone to drive. The problem is if you do not have the right kind of coverage for your car, this could be a seriously expensive thing to do. Do not assume your current policy covers you as a driver of another vehicle. Also don’t make the mistake of assuming someone else driving your vehicle will be covered by your insurance or theirs without verification.

Anytime you get auto insurance coverage the rates will vary depending on several factors. Before getting you non-owners car insurance quotes you should be aware of some of these factors. By being informed you can make the best choice when it comes to rates and coverage.

Non-Owners Auto Insurance 101  Non-Owners Auto Insurance Protection

So what are some factors that could influence the cost of your policy? When it comes to having non-owners car insurance coverage, these are a few of the things you could expect to see affect the rates.

For example:

  • How much protection you want. The bottom line is that you can determine how much coverage you want or even how little you want. Obviously the less coverage you take the greater the risk you take of having to cover some expenses out of your own pocket should an accident occur. However the amount is still less out of pocket than if you lacked any non-owners coverage at all.
  • How often the vehicle will be driven by another driver. There will be rate differences for driving a car once a week or sharing a car on a daily basis. Be realistic about how often you will be using someone else’s car or letting someone else drive yours.
  • As with any type of auto coverage, your driving history has a lot to do with what you car insurance rates will be like. The better your record the lower your rates. The same holds true for anyone else who may be driving your car. Work to keep a good driving record or clean up the one you have and you will notice a change in your premiums.

Is Non-Owners Car Insurance What You Need?

Keep in mind the type of car insurance coverage included with non-owners is just your basic liability policy. What liability insurance covers is:

  • The car of another driver when you are deemed at fault in a collision. This would include repairs and possibly replacement, depending on what your minimum and maximum coverage amounts are.
  • Medical expenses of the other party involved when you are the at fault driver. This again is based on the amount of minimum and maximum coverage. If the person you injure has a prolonged hospital stay, surgery, prescriptions or physical therapy, you could still wind up with bills to pay.

Things that are not generally covered as part of your non-owners auto insurance policy include:

  • Your own vehicle repair or replacement. If the car is new or financed this could be a great deal of expense. In most cases, though, if your car is financed you will have to have more coverage than liability.
  • Your own medical bills. If you do not have health insurance, this can be a high risk to take. Consider getting better coverage for your own medical bills in case you should end up in the hospital without health insurance coverage to help you pay your bills. Trying to cover this out of pocket can leave you with a huge financial burden. In fact many people end up losing their home to foreclosure or having to declare bankruptcy following this sort of incident.
  • You may also have an accident that involves personal or public property. In most cases liability insurance will not cover this. This could be important if you hit a house or even take out a mailbox. For public property there are often heavy fees and fines and costs should you hit a light pole for instance.

In other words, you are not getting collision, comprehensive or anything more than liability, unless you specify otherwise. You should also consider having non-owners coverage if you frequently rent a car. Compare how much it costs you to add on insurance at the rental location as opposed to just having your own policy.

To make this comparison and get competitive quotes for coverage, start by entering nothing more than your zip code. By doing this you will be well on your way to getting the non-owners auto insurance rates you want right away.

North Carolina Non-Owners Insurance

For those who are using a car other than their own or letting someone use their vehicle, non-owners insurance North Carolina residents can use is important to have. In the event of an accident without the driver having coverage, the consequences can be severe. Too many drivers assume they have this type of coverage only to find out once they have an accident this isn’t the case.

Driving another person’s vehicle or letting someone drive yours without proper coverage means taking a risk. If there is a wreck, you could be paying all of the related expenses out of your own pocket, even if you are not at fault. This could mean repair or replacement costs as well as expensive medical bills.

What You Could be Paying for

Be aware before taking the risk of knowing what non-owners insurance North Carolina drivers find. Those who have driven another driver’s car or let someone drive their car and had an accident found out the hard and expensive way of what can happen. Imagine paying for:Non-Owners Insurance North Carolina Quotes

  • the damage to your car especially if you are driving a new and financed vehicle
  • repairing or replacing the other vehicle involved
  • medical expenses for yourself or others from your own pocket, which can include hospital stays, surgery, expensive prescriptions and aftercare such as physical therapy
  • damage to personal or public property in the event of striking someone’s home or a streetlamp, for example

Imagine thinking you are saving money on your auto insurance by not including non-owners insurance North Carolina drivers need. The little bit you may save per month isn’t worth it in the long run compared to the expenses you incur when paying for an accident out of your own pocket.

Who Uses This the Most?

It is very common anymore to be in a situation where you could be driving a borrowed car or lending yours to someone else. People can have car problems, and it is difficult to have the car in the shop and also still have a mode of transportation to get to work. It could be due to expenses that two people need to share a vehicle to cut down on expenses. This can help save on gas, maintenance and other car related expenses.

Of course sometimes it is just to show off a new ride. If you just got a new car, you may want your friends to be able to take it for a test drive. The problem is even a drive around the block could end up in a wreck. In order to protect yourself as a driver or the owner of a car someone else may drive, make sure you get the coverage you truly need.

To prevent pricy mistakes later, get the auto insurance coverage that protects you. To get quotes all you need is your zip code. From there you can find out about non-owners insurance North Carolina rates and get covered today.

Understanding Non-Owner Car Insurance

Do you ever have to borrow a vehicle from a friend or family member in order to get around? If so, do you know if you are actually insured to drive anyone else’s vehicle? Some people do carry insurance that allows others to drive their vehicles, but you should never rely on this. Instead, it is a lot easier, and safer, to have your own non-owner auto insurance. This way, no matter whose vehicle you are driving, you know that you are covered if you happen to get into an accident.

What Is Non-Owner Car Insurance? Understanding Non-Owner Car Insurance

Basically, non-owner car insurance is exactly what it sounds like: insurance for those who drive frequently but do not actually own a vehicle of their own. It protects you if you are driving another person’s vehicle, which could even be a company vehicle, if you are at fault in an accident. It ensures that you will not have a lot of out-of-pocket expenses resulting from an at-fault accident.

What Does It Cover?

Having non-owner auto insurance is not going to cover everything, but it will provide adequate coverage and peace of mind while you are driving. It is your responsibility to make sure that you are covered if you are a driver, no matter whose vehicle you are driving, and coverage for non-owners is a good way to go if you want to drive and don’t actually own a car. You can expect non-owner insurance to cover the following:

  • Liability
  • Medical/Injury Protection
  • Uninsured/Underinsured Coverage

If you have a non-owner’s insurance policy, there are certain things that are not going to be covered. These include:

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Coverage

If the vehicle you are driving is insured, the insurance that covers that vehicle is going to be first to pay out any liability damages. Your non-owner insurance will pay for secondary coverage. Even if you are driving an insured vehicle, it is a good idea to also have your own non owner auto insurance, just to be on the safe side and make sure that you have plenty of coverage should anything happen. After all, you don’t always know how much insurance a vehicle has, or even if the owner has let the policy lapse.

What Is SR-22?

If you have had tickets for driving while under the influence of alcohol or drugs, or you have had previous auto accidents while not carrying enough or any insurance, you are required to have an SR-22 insurance filing with the state. This shows your financial responsibility if you do have an accident, and it is often necessary for those who are trying to get their drivers licenses reinstated. Having non-owner insurance coverage can help those who need to have an SR-22, but do not actually have a vehicle of their own. You can purchase your non-owner insurance and attach the SR-22 filing to it.

How Much Does Non-Owner Insurance Cost?

We all think of auto insurance as being quite expensive, but when compared to traditional auto insurance, non-owner insurance is affordable. The cost to have this type of coverage is usually similar to what it costs to have the minimum liability coverage that is required by the state. Remember, you may not be able to get multi-policy if this is the type of auto insurance you choose to carry.

Getting Quotes

Just like with any other type of insurance policy, it is best to shop around for the best rates for non-owner auto insurance. Different insurance providers have different rates for different products, and if you don’t get quotes from at least a few companies, you may not be getting the best prices available. You can call insurance companies to speak with representatives to get quotes, or you can go online and get them without ever having to speak with anyone. You will not have to provide any personal information, and you will not be contacted by sales representatives until you are actually ready to make your purchase.

Whether you own your own vehicle, rent vehicles, use a company vehicle or borrow from friends and family members, you need to know that you are properly insured. Enter your zip code today and see what the different insurance companies have to offer and make sure that you have the non-owner insurance coverage that will save you a lot of money in the event of an accident where you are at fault.