Non Owners Car Insurance

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How to Buy Non-Owner Car Insurance

How many times have you found yourself needing to borrow a vehicle to get to work or run errands? Not everyone has a vehicle of their own, but many people often borrow vehicles, rent, or even use company vehicles for their day-to-day errands, business, etc. If you use vehicles owned by others frequently, you should make sure that you are properly insured. While the vehicle you are driving may carry insurance, it is still best to have additional coverage, which you can get when you buy a non-owner auto insurance policy. This will protect you if you have an accident and you are at fault, and cover a lot of the expenses that can arise from that accident

Non-Owner Insurance Explained

Non-owner car insurance is good to have if you are a frequent driver, but do not own your own vehicle. It will cover a lot of the expenses from an accident, including liability, medical expenses, and the costs that can arise if you have an accident with an uninsured/underinsured driver. While it is good to have this additional coverage, remember, there are some things that it will not pay for, including:  How to Buy Non-Owner Car Insurance

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Coverage

Non-Owner Insurance Can Help You in Other Ways

Sometimes, we do things that we shouldn’t, and we end up having to pay the price. This can include driving while under the influence or having accidents without insurance. When these things happen, there are fines, and drivers can lose their rights to drive for a period of time. Having non-owner insurance can help you if you are in this type of situation. For instance, if you need an SR-22, but do not own a vehicle, this can come in pretty handy. You can purchase your non-owner auto insurance, and attach an SR-22 filing to it.

Buying Non Owner Car Insurance

You can buy non-owner car insurance from any company that sells auto insurance. The cost is relatively low, comparable to that of the cost of basic liability insurance that is required by every state.

To get the best deals, you should get a number of non-owner insurance quotes. You can do this by entering your zip code in the box provided. If you just go with the first insurance company you talk to, you may not get the best rates for this, or any other type of auto insurance.

  • Ask about the “Assigned Risk Program/Plan” that is offered by your state If the company does not offer a policy that is in accordance with this program, you can file a complaint with the state board of insurance. This is coverage that you are entitled to, and all you have to do is ask for it.

Once you have received a few quotes, you need to sit down and study them all. There are a lot of things to consider, including pricing and payment schedules, and the more you know, the better able you will be to decide which company is going to be able to serve you best.

Everything You Need to Know about Non Owner Insurance

Non-owner auto insurance may not even be something you are familiar with, but you could actually need it. This is especially true of you rent a car on a regular basis and simply rely on the insurance provided by the car rental agency. Believe it or not, it may be quite a bit cheaper to utilize a non owner car policy instead of overpaying for what the car rental agent tacks on.

To start off, you will need a basic about the run down when it comes to non owner insurance. Is it right for you? Is it something you need? The only way to be sure is to gather some information about it, compare rates from different insurance providers and maybe even speak to an automobile insurance agent about whether or not this would be best suited for your individual driving needs.

Who Might Need Non Owner Car Insurance

The bottom line is anyone who does not need to drive a car very often is the standard type of driver perfect for a non-owner insurance policy. To get an idea of who may be a candidate for this type of car insurance or to see if you may be among those drivers suited for it, consider these points: Everything You Need to Know about Non Owner Insurance

  • In general, you do not need to use a car very often, therefore you do not even own a vehicle. In cases where you do need to drive a car, it is one that is registered to another driver.
  • In some cases if you have had to get an SR22 form completed to obtain what is referred to as SR22 insurance you may need non owner insurance as well. SR22 insurance is for those who have been deemed high-risk drivers due to DUIs or other driving infractions and had their license suspended or revoked. In order to get their license reinstated, these drivers may also need to add non-owner car insurance to their SR22 policy if they will only be driving a car that is owned and registered to another person.
  • If you frequently rent a car and opt for the car rental agencies insurance, you may be surprised to find using your own non-owner policy is more affordable. This is especially true if you have access to use a car that belongs to another registered owner but still thought renting a car and using the rental agency’s policy would be thriftier.
  • For some jobs where you are required to relocate cars for short or longer distances, you may actually have to secure your own non-owner insurance even if it is just to cover the minor basics or fill in the gaps in your business covered insurance.

What to Expect from Your Non-Owner Car Insurance Policy

Keep in mind the most basic and most commonly used non-owner insurance covers liability only. You can add to it or use it in conjunction with other types of insurance to have a more complete and comprehensive insurance policy. So, the bottom line is that you should keep in mind certain things will not automatically be covered. These include but are not limited to:

  • Collision, which is most drivers get as a basic policy and is generally more extensive coverage than liability
  • Towing costs
  • Rental expenses even following a collision
  • Comprehensive insurance, which is another useful type of insurance drivers often get to help fill in all the gaps within their standard car insurance policy or collision policy.
  • For rental cars, you may still be responsible for theft or damage caused to the vehicle. To prevent problems, it may be a good idea to ass collision to your non owner insurance policy too.

In some cases, if you are using the car of a closely related family member such as a parent or sibling, you may still be covered. Some drivers even get insurance that covers other drivers using their car. In either of these cases, this may be good for short-term use, but if you are going to use the vehicle on a regular basis or also want the ability to drive any car available, then getting a non-owner car insurance policy set up is your best option.

Depending on the amount you plan to drive and your driving record, you can see differences in rates. Using our system to get your free non-owner car insurance quotes is the best way to get insurance providers competing for your business and finding economically sensible rates.

Non Owner Car Insurance

Many drivers think they know what’s in their automobile insurance coverage until they find out too late they do not have something important such as non-owners insurance. Assuming you have anything more than basic collision coverage when you secure your car insurance, can be a dangerous and costly mistake.

Finding out after you have had an accident that you will not be covered because you didn’t have the proper type of policy can be a frightening and costly process to endure. Making sure you have all the coverage you need, including filling in any gaps in your coverage, is an important step to take. It is especially important to understand what you need if you are acquiring insurance for the first time or have recently moved to a new state.

What Exactly Non-Owner Auto Insurance Is

Just as the name would imply, non-owner insurance is a policy one would get in place to drive a vehicle that is not theirs and registered to someone else. So, who might need non-owner insurance and when might they need it? Non Owner Car Insurance

  • Those who are using another driver’s car on a regular basis
  • In some cases where someone has had his or her license revoked, canceled or suspended and needed an SR22 form completed to reinstate their insurance. Non-owner auto insurance may help prevent gaps in coverage in cases where the newly reinstated driver does not yet have a car registered in his or her own name.
  • In some cases if you work in a position that may have you driving other vehicles, you may need non-owner car insurance.
  • If someone only drives occasionally but drives a vehicle registered to another person.
  • There are plenty of other instances where someone may need non-owner coverage and not having it could be detrimental.

Deciding on Your Non-Owner Policy

If you already know you need non owner insurance, then you will need to get quotes  so you can compare rates. There are some factors that go into determining the costs you may be looking at when it comes to your non-owner insurance. So realize these things will play a role in price:

  • the state you live in and in some cases the area within the state
  • the amount of driving you will be doing in the vehicle registered to another person
  • your driving records
  • the amount of coverage you want

In general, a non-owner auto insurance policy covers only liability. If you were considering renting a car on a regular basis versus getting non-owner insurance, it usually works out cheaper to get non-owner car insurance. Of course, you cannot be sure until you compare rates.

Do not hesitate and delay; get those non-owner insurance rates by simply providing us with your zip code. You could have non-owner car insurance rates in no time at all and be on the way to securing the policy you need to protect yourself as a driver.