A non-owner car insurance policy gives you bodily injury and property damage liability coverage when you drive a vehicle that you do not own (and would otherwise have a regular car insurance policy on). If it is not enough to cover damages, that is when your non-owners policy acts as a second coverage. It is important to remember that non-owner policies don’t include collision coverage, meaning it does not cover repairs for the car you were driving, only for the car or piece of property you hit.
You need non-owner car insurance if you are worried the coverage amount of the policy of the car you are borrowing is not enough.
Some providers offer medical payments and uninsured/underinsured motorist bodily injury coverage as part of their non-owner car insurance policies, if you are interested in this, just mention it during your quote. Some carriers offer liability coverage for rental vehicles, but not all of them do.
When are Non-Owner Policies Needed?
You’re not legally required to have a non-owner car insurance policy if you don’t own a vehicle, unless the DMV requires you to file a proof-of-insurance certificate to maintain your driver license, because you were convicted of a DUI/DWI or some other serious accident, an SR-22. In that case, a non-owner policy will be your only option if you don’t own a vehicle to insure.
If you’re only going to be without a personal car temporarily, a non-owner policy is an affordable way to make sure that a lapse in insurance coverage doesn’t mean you end up paying a higher rate for regular insurance when you do purchase a car.
When you rent a car, check and see what coverage is offered through your credit card or the car rental company. It may be cheaper to pay a one-time fee for insurance than to keep a non-owner insurance policy active if you don’t rent that often. Of course, if you’re regularly renting a car in lieu of owning one, a non-owner policy that offers liability coverage on rental vehicles will likely be your most cost-effective option.
How Much does a Non-Owner policy cost?
Non-owners policies vary depending on your driver’s license record because insurance companies look at how big a risk you are to determine how likely it is that you’ll cause an accident when assigning rates. But still, if you have an excellent driving record your non-owner car insurance policy will roughly cost you 90% less than a comprehensive policy, even with a not-so-good driving record, it will be approximately 20% less than a comprehensive policy. You are the main factor to determine the rate. Where you live will also be a factor that determines your rate.
Call us to get your Non-Owner policy quote for free:
1310 Chamberlain Ave.
Bakersfield, CA 93305
1420 High St.
Delano, CA 932151
497 E. Center Ave. Suite A
Earlimart, CA 93219
802 Navajo Rd. Suite D
Perris, CA 92570
2560 Perris Blvd. Suite J2
Perris, CA 92571
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Wasco, CA 93280