What is Non-Owners Car Insurance?

Non-owners car insurance is a type of auto insurance coverage for people who do not own a car, but still drive other people’s vehicles with permission. This coverage is typically used by people who are in between cars, who use rental cars often, or who don’t own a car but frequently borrow a car from a friend or family member. Non-owners car insurance is also called ‘non-owners liability insurance’ and ‘operators policy’.

Non-owners car insurance policies provide liability protection, meaning they cover the costs associated with an accident that you cause. Liability coverage typically includes coverage for bodily injury and property damage to other people, as well as legal fees and medical bills.

Who Needs Non-Owners Car Insurance?

Non-owners car insurance is usually a good choice for people who don’t own a car. This type of insurance coverage is especially useful for people who frequently borrow cars, or who may need to rent a car from time to time. It’s also a good choice for people who will be driving a car that is not registered in their name, such as a friend’s or family member’s car.

Non-owners car insurance is also a great choice for people who have recently lost their license or have been convicted of driving under the influence (DUI). In most states, you are required to have a certain amount of liability coverage to regain your license after a DUI conviction, and non-owners insurance can provide this coverage.

How to Get a Non Owners Car Insurance Quote

Getting a quote for non-owners car insurance is easy. Most insurance companies offer non-owners car insurance policies, but you may want to check with several companies to compare rates. To get a quote, you’ll need to provide some basic information, such as your name, address, and driving record.

Once you’ve obtained quotes from several different companies, you can compare the coverage and prices to find the policy that’s right for you. You may also want to consider adding optional coverage, such as comprehensive and collision coverage, to your policy. This will ensure that you’re covered if you ever need to rent or borrow a car.

Conclusion

Non-owners car insurance is a great option for people who don’t own a car, but who still need insurance coverage for the times when they borrow a car. It provides liability coverage, which is required in most states, and it can also provide additional protection if you ever need to rent a car. To get a non-owners car insurance quote, you’ll need to provide some basic information and compare quotes from several different companies.