FAQ

How to get an insurance quote without a car

Even if you don’t own a car, you can still drive one, and if you’re behind the wheel, you need to have auto insurance. Drivers who have a valid license are eligible for non-owner auto insurance as long as they do not have access to a vehicle in their household. Getting car insurance quotes without a car is as easy as contacting your local agent or calling an insurance company.

what is auto insurance for non-owners?

According to Forbes, non-owners car insurance or non-driver insurance provides liability coverage for drivers who do not own a car. is liability coverage that pays for bodily injury and property damage if you cause an accident while driving a car you don’t own.

Reading: How to get an insurance quote without a car

In addition to liability coverage, auto insurance for non-owners may include:

  • Liability coverage for rental vehicles
  • medical payments
  • personal injury protection
  • Underinsured or Uninsured Motorist Liability
  • In many situations, the auto owner’s insurance will be used first, but if it falls short, the non-owners policy will kick in to take care of damages that exceed the owner’s liability limits. For example, let’s say you have a non-owner’s policy with $40,000 of property damage liability and you borrow a car. The auto owner’s policy covers $20,000 in property damage liability. if you are in an accident and cause $40,000 in damage, the auto owner’s policy will not cover the additional $20,000. your non-owner’s policy will kick in for the amount over the owner’s policy limits.

    It’s important to note that non-owners coverage doesn’t pay for damage to the car you were driving or your personal injuries.

    You should consider non-owners insurance if you frequently rent vehicles or regularly borrow a friend’s car. It’s also worth considering if you want to maintain continuous coverage during a time when you might be traveling and not own a vehicle. This type of insurance is also used by high-risk drivers who need an SR-22 or FR-44 to keep their license.

    how much does car insurance cost for non-owners?

    The cost of auto insurance for non-owners depends on several factors. insurance companies will consider:

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