Is it necessary to own a car before getting car insurance?

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Here's what you need to know...
  • Non-owner insurance policies are essentially an additional layer of coverage
  • This form of policy coverage is for you as an individual operating any vehicle and not specifically for any particular car
  • Non-owner coverage works like supplemental insurance

Why would you need auto insurance if you don’t own a car is a very common question which on the surface does not seem very logical.

But this is, in fact, a very valid question since it is illegal to drive without car insurance whether you own the vehicle or not.

Most car insurance policies cover drivers who have the vehicle owner’s permission to use the vehicle but there are times when having your own coverage is not only preferred but also required.

Learn how to get insurance without ownership of a car below or start comparing auto insurance quotes today!

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When to get auto insurance if you do not own a car?

Using somebody else’s vehicle for random trips to the grocery store or late night runs for fast food is a normal part of everyday life.

However, if you frequently use a vehicle belonging to another person, it’s probably a wise idea to purchase what is called a non-owner auto insurance policy.

This form of policy coverage is for you as an individual operating any vehicle and not specifically for any particular car.

Non-owner insurance policies are essentially an additional layer of coverage.

It protects you in case the coverage belonging to the vehicle owner does not cover your liability or an insurance claim is denied.

Non-owner policies are also very valuable for drivers who are operating vehicles where the owner has limited policy coverage which may not be sufficient in an accident.

Even though most states have minimum insurance requirements these limits can be quite low.

If the owner of the vehicle has purchased only a basic policy coverage, there is probably a lot of potential for personal liability.

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What happens if I am at-fault in a car accident driving someone else’s car?

Some of the policy coverage may not extend beyond the insured for accidents you were at-fault in depending on the unique circumstances of the accident.

Other drivers can then sue you personally but with a non-owners policy in place, you will have some form of coverage.

How does non-owner insurance coverage work?

Non-owner coverage works like supplemental insurance.

When an accident occurs, any damages or claims are subject to the vehicles owners’ policy coverage.

When the owner of the vehicle has insufficient coverage than the supplemental (non-owner) insurance kicks in, up to the limits of the policy.

While non-owners car insurance is very affordable and an added layer of protection understanding how this type of car insurance works can be a little complicated.

Speak with a licensed agent about the best insurance options available if you spend time driving a vehicle you do not own.

Cheap Non-Owner Car Insurance Quotes Online

Car insurance comparison is always your best tool whenever shopping for any type of auto insurance, even if shopping for car insurance without owning a car.

Most insurance providers have online forms which make it simple and short to request quotes, compare rates and even and a toll-free number to call with any questions.

Compare car insurance quotes online today with the FREE tool below! Enter your zip code to get started now!

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