The Basics of Non Owner Auto Insurance
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If you currently drive an insured car that doesn’t belong to you, buying non-owner car insurance might be an option to consider. Do you find yourself using your friend’s or family member’s car a lot? Have you ever thought about what would happen if you got into a severe wreck? The fact is, you can be held liable if something goes wrong. Your best bet is to get added coverage and protect yourself.
Think of non-owner coverage as a type of back-up plan in the event you use someone else’s automobile and get into a wreck. The owners’ policy is the primary insurance, while your non-owner policy serves as added protection. Even if you don’t own the car yourself, you still need to sign up for a viable plan to protect yourself if you were to get into an accident.
There are car insurance policies specifically designed to insure you for the times you drive someone else’s vehicle. This coverage is put in place for those who don’t have their own car. If you are renting or borrowing a car owned by someone else, you need in the least state minimum liability insurance. If you’re looking for more information, Good to Go Insurance can explain your options and give you a hassle-free, no-obligation quote online or over the phone. Apply now and find cheaper rates in less than 5 minutes.
There are insurance providers that will extend non-owner coverage to rental cars. If you travel frequently and often use rentals, this is an essential item worth considering adding. While many credit card companies have rental car insurance programs, they might not have high enough limits to protect you adequately. You should also note that rental firms are required to maintain state minimums for liability insurance for all their vehicles.
Non-owner coverage provides liability insurance, up and to the limits of the policy. It also takes care of medical coverage for yourself and an uninsured motorist if you get into an accident. While it can depend on the insurer in certain areas, most states will cover medical bills if you are injured in an accident caused by someone without enough insurance to pay for it.
A non-owner policy can typically cost less than standard coverage, mainly because it covers less. Rates for good drivers start at about $39 per month. A non-owner policy’s cost also depends on your age, location, vehicle type, how much you drive, your driving record’s current status, and other factors. If you have multiple violations on your record, such as reckless driving, you may be considered a high-risk driver. You can expect to pay a lot more for coverage in this situation, sometimes twice as much as safer motorists. Below are two examples of the cost of standard insurance vs. a non-owner policy.
Age Standard Policy Non-Owner Policy
Single Male 25 $548 $497
Single Male 40 $516 $463
When to Get Non-Owner Car Insurance
Some people who borrow cars may be wondering whether or not getting non-owner car insurance is the right idea. Typically, you will want to consider getting this type of ins if you meet one or more of the following criteria:
Remember that if you live at home with your parents and use one of their vehicles every day for work, you should not get non-owner car insurance. Instead, you should be added onto your parent’s auto insurance plan as an additional driver.
Unfortunately, non-owner policies do not have any optional coverage options. Most standard car insurance plans will allow for additional coverage, such as collision and towing.
Shopping around for the best auto insurance is a simple process, thanks to the internet. Currently, seven companies offer non-owner car insurance policies across the nation:
Each of these providers offers plans nationwide. If you already have a policy with one of these insurers, you can often save money when adding non-owner auto insurance.
Here are some regional carriers that offer non-owner liability policies:
While many of the major companies offer non-owner auto insurance coverage, it isn’t the most popular and promoted product. Most people don’t even know that this kind of liability coverage is an option.
In reality, this insurance policy is an excellent alternative in the event you can’t get full coverage. While you may not be able to get a direct quote online through one of the company’s websites, you can easily get quoted with Good To Go Insurance. This type of insurance will give you peace of mind and save you money if you ever get into a significant crash using another person’s car. Start your free quote now and explore all your insurance options.