This may sound a bit weird to you, but you might need to have an auto insurance policy even if you are not a car owner. Indeed, auto insurance is available for individuals who drive but do not have their own cars. This type of policy is known as non owners auto insurance policy.
This type of policy is intended for drivers who are renting or borrowing their vehicles most of the time. It gives enough protection if you experience or cause an auto collision driving a car that is not your own. A non owners auto insurance coverage is designed to cover all the needed expenses that you get during the accident. This type of policy can also apply if you drive your company’s service vehicle. It can also apply to teenage drivers who are just learning how to drive.
How Non Owners Auto Policy Works
For instance, you happen to be driving a borrowed or rented car and you come across a car accident. The car owner’s auto policy will cover the damages according to the policy’s limit. Legal action might be filed against you, however, since you were the driver of the car at the time of the accident. This is where the importance of having a non owners auto insurance policy comes in.
Looking For The Best Non Owners Car Insurance For You
Looking for the best non owners auto insurance policy appropriate for your needs is the same as finding regular car insurance. The easiest and most convenient way to look for the best deals for this particular type of coverage is to search online. You can find a great number of auto insurance providers nationwide that offer car premiums to non owners. You may request for quotes and ask about their rates and types of coverage. You might also want to consider going from office to office and personally talk to car insurance agents who will give you quotes as well. It is also possible to ask around for referrals. You can ask family members, relatives, coworkers or friends who may feel happy with a certain insurance company or agent regarding car insurance for non owners.
It is essential to do an evaluation of multiple auto insurance quotes. Make sure to select the best quotes from different companies before comparing. Try getting quotes from around five to ten different providers online. Various providers will give different requirements and limits. It is important to know all the details so you will know what you will be getting.