Non-Owner Car Insurance Policy Online

If you do not have a car, you might think you do not need automobile coverage. This is not always the case, however. You may need to get covered with nonowner auto insurance in certain circumstances. This unique and specialized policy gives you coverage in situations like renting an automobile or using someone else’s vehicle for an extended period. A nonowner car insurance policy online will pay for injuries that occur to both the driver and passengers and property damage that you are responsible for after an accident. Let’s delve into more situations that might prompt you to get this specialty insurance.

Why get Non-Owner Auto Insurance?

1. You have been convicted of a DUI

Are you one of the thousands of drivers each year that was convicted of driving under the influence? If so, your state may require you to get an SR 22 form. An SR-22 will allow you to get your driver’s license back; both forms are proof of legal automobile insurance. In some areas, it is called an FR-44 form.

If you do not own a vehicle, getting a nonowner auto policy will also show adequate proof of insurance.

2. You borrow cars all the time

Are you one of the many people that doesn’t want the hassle of car ownership but at the same time borrows cars from friends and family to get around? If that sounds familiar, you might need to get covered with non-ownership car insurance. You also might be in a situation that forces you to use someone else’s car that you are not insured on, for example, on an extended summer vacation where you borrow a friend’s truck. Another example is you are starting a small delivery business and borrow a van from a friend to try and make a go of the company. You will need non-own automobile coverage to stay legal.

3. You Rent Cars All the Time

You might be paying too much for insurance if you are always traveling and renting cars. Buying a nonowner auto policy can be much less than paying the outrageous coverage costs charged by car rental companies. I have seen full coverage for rentals at $35 and more per day. Get quoted with good to go insurance and get your premiums lowered today.

4. You are Test Driving a Car for a While 

Automobile manufacturers sometimes offer impressive sales tactics to get customers to buy their vehicles. One marketing method is to allow a free two-week test-drive period before any purchase commitment is made. The idea is to have the customer fall in love with the new car and then sign the sales contract before the period is up. If you borrow one of these dealer cars, you must cover it with a non-owned auto ins policy.

5. You Ride-Share all the time

Car-sharing programs have gotten more popular in recent years. These vehicles are insured but may not have the extra protection you need to cover your assets if a serious crash occurs. If you have assets over $100,000, you should consider adding additional nonowner coverage to keep yourself fully protected if someone sues you.

Does any one of the above scenarios sound familiar to you? If so, you should consider purchasing this type of protection. Having ongoing auto insurance makes you less of a risk to insurers, and when you insure your next vehicle, you can qualify for lower rates. If you are a young driver and use your parent’s car, you probably have nothing to worry about because their insurance policy already covers you.

Nonowner Coverage Basics

This unique insurance will always cover the state minimum liability standards. Besides, a non-ownership plan will cover medical expenses and even uninsured drivers’ protection. This is important to add to your plan because millions of motorists are uninsured, and if you get into an accident, there is about a 13% chance the other driver will have no insurance, and you do not want to take that risk. You do not need to get non-owned auto insurance for rental cars if your credit card company already has you insured. It would just be a waste of money.

Usually, rates for nonowner auto policies are slightly less than a typical liability policy with standard vehicle protection. This is because the driver, in most cases, does not always have access to the car. Thus, the driver is not as exposed to potential incidents as other motorists.

Buy Non-Owner Auto Insurance Online

The best place to buy a nonowner car insurance policy is online. Some insurers like Good 2 Go Insurance have direct pricing that can save you hundreds of dollars. They will also give you up to 10 online quotes from leading providers. So, you can get quoted in less than 5 minutes and buy your policy directly online. Get started now and get the plan you need for less.