If don’t own a car and you want to purchase auto insurance, you can get this coverage by purchasing a non-owners car insurance policy. This type of coverage is beneficial for a number of reasons, which will be discussed below, and can ensure that you have the right amount of insurance no matter what vehicle you happen to be driving.

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Anyone can purchase a non-owners care insurance policy, the question is, why should they? The most common answer to that question is that a person frequently drives vehicles that do not belong to them.

Why purchase a non-owners car insurance policy?

If you travel a great deal or drive a company car on a regular basis then you may be driving vehicles you don own. In both of these cases, having a non-owners car insurance policy can be quite handy, especially if you cause an accident.

If you are driving a company car, your company’s insurance company will have an insurance policy on that vehicle. If, however, you cause an accident and their insurance doesn’t cover the total cost of damages or medical care, then you can become responsible for that cost, especially if the accident was caused by careless driving. Having a secondary policy in place can end up saving you a lot of money.

Rental car companies do offer you the choice of purchasing car insurance for your vehicle when your rent it. If you rent vehicles on a regular basis, however, this cost can be extremely high. Even if you work for a company that pays for those costs, they might be willing to pay for a non-owners insurance policy instead as it will save the company money.

If you own your own vehicle then you have to have car insurance for it. In addition, many policies cover you no matter what vehicle you are driving so before you buy non-owners insurance, check with your insurance company to see what type of policy your insurance company has regarding covering you when you drive other vehicles. In a majority of cases, this coverage will not extend to company owned vehicles generally, however, it does cover rental cars and borrowed vehicles if you have that coverage in the first place.

If you don’t own your own vehicle and you borrow vehicles from friends on a regular basis, then having a non-owners care insurance policy is the responsible thing to do. Their insurance policy may or may not cover unlisted drivers on the vehicle, but even if they do, you don’t want to put them in a position where you have an accident and their insurance doesn’t cover all of the costs associated with that accident.

Another consideration is medical care. If you don’t have health insurance and you have an auto accident, your non-owners insurance policy can cover some of your medical costs. This only applies if you specifically purchase PIP or personal injury protection, but it is a great back up option to have just in case and it is affordable too.

What about teen drivers?

Many states have laws in place regarding teenagers and driver’s licenses. In North Carolina, for example, before a teen can get a driver’s license, they are required to have auto insurance, even if they don’t own a car. A non-owners insurance policy is an excellent choice for a teen or even a young adult in this situation.

For parents who don’t want to add their teen to their auto insurance policy because they don’t intend to let them drive the family car, this can end up offering a big savings in terms of insurance costs. Instead of adding a teen on a comprehensive insurance policy, for example, the teen can purchase a non-owners policy with minimum coverage so that they can meet your state’s requirements.

Just remember, if you do let your child drive your vehicle on a regular basis and they have an accident, it is very likely that your insurance company won’t pay the costs associated with the accident if they learn your teen is a regular driver and wasn’t listed on your policy.

As you can see, there are several situations where a non-owners insurance policy makes sense.

Should you purchase a non-owner car insurance policy?

Not everyone who rents a car or drives a company vehicle needs non-owners car insurance. This is a coverage that you want if you drive someone else’s vehicle more than 10 times a month. If you only borrow or rent every once in a while then you should talk to your current insurance carrier and ask them to include coverage for you on borrowed or rental vehicles if you don’t already have this option on your insurance policy.

If they won’t provide you with that option or they want to increase your rates too much, then you should consider switching insurance companies. You aren’t obligated to stay with an insurance company simply because you have a 6 month or 1 year policy with them.

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In addition, if you find that you are borrowing the same person’s vehicle over and over again, then you may want to consider asking them to add you as a driver and striking an agreement with them to pay for a part of their insurance costs. At this time, if you don’t think they have enough coverage, you can increase it and pay the difference as well.

This ensures that you are being financially responsible for the other person’s vehicle. This option will generally be much less expensive than purchasing long-term care insurance because you aren’t paying for the entire policy yourself.

Where do I buy a non-owner car insurance policy?

Even though this type of policy isn’t as common as others, most insurance companies do offer it as an option and usually at similar premiums as a regular policy. The costs might be higher simply because they have no car associated with the policy to offer discounts against for safety features and so on.

Most insurance companies only offer liability non-owners auto insurance. If you are looking for more comprehensive coverage, you are going to have to look more extensively for auto insurance companies with this option. If you can’t find one, you should speak with an independent agent, they will go out of their way to find the options you need and will be able to tell you if you can purchase those options in the state you live in.

In addition, in order to get the best price on your non-owners car insurance policy, you are going to have to shop around. Fortunately for you, this process is much easier than it sounds. By clicking on the link on this page, you will be taken to a free car insurance quote tool and you can find out right now what insurance company or companies have the best rates for you. Find out how much your non-owners insurance, or any auto insurance for that matter, will cost you!

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