For people who are driving rented or borrowed cars non owner car insurance is the perfect match. Non owner auto insurance is a liability-only insurance policy thus it does not carry with it any collision or comprehensive coverage.
This particular coverage is not offered by all providers most companies who have this service are those catering services in metropolitan areas. Renting cars is the most common bent of people who are living in big cities where heavy traffic is a normal thing to happen every day, where parking spaces are insufficient and where auto insurance rates are sky high. Indeed in places like this having your own car might not be the best thing to do therefore car rentals flourish. Most car rental companies offer coverage just like what the non owner auto insurance can provide however this might cost you more than paying your own insurance policy. If you are renting most of the time then it is best to get your own non owner auto insurance policy.
Since it is not a common commodity that is offered by all providers shopping through the internet is a good idea. Not only that you will be able to get the list of the companies offering such service but you can also compare rates and get the best service at the most friendly rate possible. It is also best to check on the auto insurance company's reliability and credibility when it comes to providing services. Of course we all wanted to get the most affordable price always but it is highly recommended to check whether your safety will be compromised or not by the low rates. Compare quotes from several insurance providers and the fastest way to do this is through online transaction. If you are able to spot the company that you think can offer you the best service you need to know their terms and conditions. You can also inquire if you can further their basic non owner auto insurance policy by adding towing and rental reimbursement or collision coverage to address your own preference.
If you are renting a car ask for any of your family member about their insurance provider and consider getting your non owner auto insurance with the same company. This might open possibilities for some sort of discount. If you are using your friend's car do the same thing. Ask your friend about his/her insurance provider and then try asking if they are offering non owner car insurance and if the answer is yes getting your non owner policy with the same company might give you lower rates.
