Your insurer will send you actual proof of coverage once you've purchased a non-driver insurance policy. If necessary, you may typically have a copy emailed to you right away. If you need an SR-22 form, the insurance can file it on your behalf.
If you don't own a car, you are not legally required to carry auto insurance. However, there are a few reasons why you might want to go with non-owner auto insurance:
If you rent cars frequently, non-owner coverage may be less expensive in the long term than purchasing rental car insurance. The rental company's insurance normally costs at least $24 per day, so if you rent a car for 50 days or more a year, the annual cost of a non-owner auto insurance coverage will likely be more.
Always remember to:
A credit card's rental car insurance will not cover you if someone sues you for damages. This free card perk covers the only damage to the rental car. Outside of having a policy for a vehicle you own, combining your credit card rental insurance with the liability element of a non-owner policy would offer you the most comprehensive coverage because your auto insurance also provides some coverage for a rental car.
Non-drivers insurance may also be a useful option if you frequently borrow cars from friends or other people. It guarantees a specific level of coverage every time you drive, so you don't have to worry about the car owner's insurance policy covering you or too low liability limitations.
Just keep in mind that if the car you borrow belongs to someone you live with or if you borrow the same car regularly, you'll almost certainly need to be added to the owner's insurance policy for primary coverage. In the event of an accident, even if you have non-owner coverage, the business that issued it may not cover you at all.
Almost every insurer hikes rates for drivers who have had a "lapse in coverage," which refers to policyholders who have gone without auto insurance for some time after previously having coverage. Even if you never drove a car without insurance, you would be considered a greater risk and not eligible for the best prices.
Because non-owner auto insurance is less expensive than regular coverage, staying protected with a non-owner policy can be a sensible choice, especially if you expect to need insurance in the future. This is especially true if you own a high-priced car.
Furthermore, suppose you are in the military and are stationed overseas. In that case, non-owner insurance may be the most cost-effective alternative, even though several providers, including USAA, offer discounts for time spent outside the nation. If that's the case, get multiple quotations from other insurers to be sure.
If you've been charged with a DUI or a significant traffic infraction, you may require SR-22 insurance or FR-44 to reinstate your driver's license. SR-22 rules may need higher limits, and you may be required to maintain this coverage for a period of two to five years to keep your license.
Because you can't file an SR-22 yourself and must rely on your insurer to do so, a non-owner SR-22 policy can be useful, especially if you don't own a car. The firm where you bought your non-owner policy can file the SR-22 on your behalf and get you back on the road to getting your license reinstated.
Non-owner insurance is less expensive, one of the main advantages of utilizing it for an SR-22. Due to whatever reason the SR-22 was required, you'll still have higher rates than others, but they won't be as high as they would have been with a standard auto insurance coverage.
Keep in remember that not every insurance company will sponsor an SR-22 or FR-44, especially smaller ones. If yours doesn't, you can get non-owner car insurance and have someone else submit the SR-22 on your behalf.
If you fall under the following categories, you should not get non-owner car insurance.
The categories are as follows:
You don't need non-owner car insurance if you own a car because your liability policy will usually cover you if you borrow or rent someone else's car. However, because this isn't always the case, it's a good idea to double-check your policy's terms with your insurer (you'll usually get at least some coverage).
Umbrella coverage is a better option if you want additional liability protection.
If you don't own a car but occasionally borrow one from a parent, spouse, or another household member, you should have your name added to their auto insurance policy. Even if you only use the car sometimes, their insurer should be informed that you reside with them, and you may be required to be named as a driver.
If you fail to do so, your insurer may refuse to cover some or all of your expenses if an accident occurs.
If you're driving someone else's car with their consent, you don't require non-owner insurance. If you get into an accident with that car, the owner's insurance will usually be deemed primary coverage and will pay for the damages.
Keep in mind the following:
If you drive a company car—that is, a car that your employer owns—the issue can be a little more confusing. When you drive a car for business purposes at the request of your employer, the firm or its insurance will usually cover you in the event of an accident.
If you use a work car for personal purposes regularly, you'll almost certainly be liable for any damage that occurs while it's being used for personal purposes. Therefore you should consider buying non-owner insurance.
Non-owner car insurance policies are meant to safeguard people who don't drive regularly but need coverage when they do. Acceptance can walk you through all of your options and provide no-obligation, no-hassle non-owner car insurance quotes so you can determine if this is the perfect coverage for you.
Although some insurance firms provide non-owner coverage, it is rarely publicized to the same level as other policies. Thus most consumers are unaware of its existence. Non-owner car insurance might be a cost-effective alternative to full coverage.
It's simple to get a quote through Way.com, and this type of insurance can save you a lot of money in the long run when contrasted to the expense of paying for medical costs and property damage after an accident.
Insurance agents recommend Non-owners car insurance for anyone who does not own a car. The policy will provide you with the necessary liability coverage to protect yourself and your assets in the event of an accident in which you were at fault. It's also worth considering if you don't own a car but still require liability insurance coverage.
Several factors influence the cost of your non-owner insurance coverage. Of course, the level of coverage you want will influence how much you pay. The cost of your monthly payment is also influenced by your driving history and the predicted frequency with which you want to use an automobile.
To learn more and receive a free non-owner auto insurance quotation, contact us today. One of our trained insurance consultants can explain how this type of policy works, what it might cover, what reasonable coverage alternatives are available, and anything else you're concerned about.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
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