Are you renting a car for vacation? Do you need to borrow someone else’s car for a few weeks? If so, now is the time to look into Non-Owner Car Insurance.
Being protected when you drive is important. Non-owner auto insurance provides the coverage you need in case of an accident.
No matter how good of a driver you are, accidents can happen. Why not protect yourself when you’re on the road?
Read on to learn about Non-Owner Car insurance and how it can benefit you.
1. Who should have non-owner car insurance?
Non-owner auto insurance isn’t a type of insurance that you hear about often. However, knowing how this type of insurance can benefit you is well worth it.
So who should consider this type of car insurance? Non-Owner auto coverage is ideal in a variety of situations.
You frequently borrow others’ cars
If you are in an accident while driving someone else’s car, typically the owner’s insurance pays. But, if costs exceed liability limits, you will be forced to pay. Having non-owner insurance is a supplement to the owner’s coverage.
Frequently rent cars
Paying the rental company’s liability insurance can be expensive. If you have your own non-owner insurance, you can avoid paying these fees.
Have been convicted of a DUI
Getting insurance after a DUI is hard. If you don’t own a car but still want to drive, a non-owner policy is ideal.
You car share or car pool
Car sharing and car pooling are great ways to save money while traveling. If you use frequently car-share, extra liability coverage is never a bad idea.
2. What a non-owner policy covers
A non-owner policy offers liability insurance. It may also cover medical coverage, depending on your state.
Non-owner policies do not include collision or comprehensive insurance. This means that safe driving is more important than ever. This type of coverage also does not cover:
- Physical damage to the car
- A car you own
- A car owned by someone in your household
- Towing reimbursement
- Rental reimbursement
Don’t get stuck paying hundreds, if not thousands of dollars for car repairs. Practice safe driving protocols by:
- Promptly stopping at all red lights and stop signs
- Using turn signals
- Being aware of traffic and cars around you
- Not driving while distracted
3. The cost
The cost of a non-owner insurance policy is usually less than liability coverage. The cost is lower because of the irregular access and use of a car.
Of course, the cost of any insurance policy depends on various factors, including:
- Your age
- Driving record
- Which state and city you live in
- How often you plan to drive
- Amount of coverage
4. Establish periods of insurance coverage
Going through periods of having no coverage can make you appear risky to some insurance companies. This could lead to higher insurance rates in the future.
A non-owner policy is a cost effective way to avoid these coverage breaks.
Non-Owner Car Insurance you can count on
Are you looking to purchase Non-Owner Car Insurance? Need to find auto insurance that is affordable? Can’t find cheap car insurance because of a bad driving record?
If so, Amistad Insurance Services can help!
We offer a variety of insurance, including auto, home and business. We provide around-the-clock services, so you can count on us whenever!
Contact us to get quality but affordable insurance.