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Locate The Best And Cheapest Non Owner Car Insurance Quote Online Now

To drive a car, it is not necessary that you are actual owner of the car but you must make sure that the non-owned car is adequately covered to cover drivers who are not listed on the vehicle’s regular insurance policy. That is where the role of non owner auto insurance policies assumes tremendous significance. Such type of coverage provides complete financial protection against expenses that are likely to be incurred towards treatment of bodily injuries and property damages to drivers who are not owners of the vehicles which they are driving. Know more about non-owners’ car insurance online now!

With auto insurance for non car owners, drivers can enjoy total peace of mind even if they are driving borrowed or leased cars and meet with an accident with another driver(s) wherein they are at-fault. Apart from the fact that such car covers offer liability coverage for other persons’ bodily injuries and property damages, there are additional coverage options which you can think of buying to protect your finances in the event of an accident involving a borrowed or leased vehicle. Accidents can cause havocs and lead to grim financial situation. Hence, it is always desirable to buy the following features.

  • Personal Injury Protection (PIP) or Medical Payments Coverage
  • Uninsured And Underinsured Motorist Liability Insurance Coverage
  • Rental Or Leased Car Liability Insurance Coverage

A typical non-car owner’s insurance policy will not have comprehensive-collision coverage features. You may have to purchase them separately. Otherwise damages caused to your car, medical bills or costs for treatment of your bodily injuries will not be covered in the event of an accident or collision.

Determine Your Reasons For Buying The Cheapest Non Owner Car Insurance

Before you proceed to learn how to get non owner's car insurance coverage at a price which you can easily afford and sustain, it is vital that you understand as to when you should consider purchasing a policy of this type. There could be varied reasons that might prompt you to purchase such coverage. Some of them are as under:

  • You need to drive car but can’t afford buying one - There are certain situations that require you to get a car on lease or rent. But for driving a vehicle legally on road, it is mandatory for drivers to have valid coverage regardless of whether you own the car or not. In such circumstances, a non-owner insurance car cover will prove to be useful.
  • You have sold your car and are yet to buy new car - If you have sold your vehicle, you do have the option to cancel its car insurance policy prior to starting exploring options for buying another car. And in the meanwhile if you need to drive a car, a cheaper non-owner’s vehicle insurance cover can bridge the gap till you purchase your next vehicle. Such type of a proposition ensures continuity of coverage after you have cancelled your previous auto insurance coverage and thus, can save money on your future vehicle insurance purchases.
  • You need to file an SR-22 car insurance certification - If you have been convicted for a DUI or DWI offense or some serious traffic violation leading to suspension of your driver’s license then you might not be able to drive your vehicle unless your license suspension has been revoked. And it is also true that your existing insurer may suspend or cancel your car coverage. In such a situation, if you still need to drive car for running daily errands, you must get a temporary “hardship license”. A short term non-owner’s car insurance cover can allow you to drive a vehicle legally on road.
  • You keep borrowing car(s) from friends or relatives - If you frequently borrow cars from either your friends or relatives as you don’t own one personally then it could be worthwhile to purchase a non owner car insurance full coverage policy as it will serve to protect your finances comprehensively should you meet with an accident involving the borrowed vehicle.
  • You frequently need to get vehicles on rent or lease - In case, you are required to get cars on lease or rent on frequent occasions then having a non-owner’s vehicle insurance cover may prove to be a much cheaper alternative for securing liability coverage. However, make sure that such a policy also covers damages caused to rental car if it meets with an accident.

What All Does A Non Car Owner Insurance Cover? Know This Before You Buy

The first step for learning how to get non owners car insurance coverage is to have some idea about what is all covered by such policies. All non-owner’s car insurance policies generally cover your state prescribed basic liability coverage which pays costs for treatment of bodily injuries caused to third party victims within specified limits resulting from an accident involving the vehicle that you are driving. Besides, expenses for repair of damages caused to other person’s property including his/her car will also be reimbursed by a non-owner’s auto insurance policy. But the policy will not cover the rented or leased vehicle if it were to get damaged during an accident.

With non-owner’s vehicle insurance, you can buy coverage limits as required by your state or even beyond that. If your state demands drivers to file form for SR-22 or FR-44 certification then it is likely that the amount of liability coverage which is to be purchased will also be specified. In any case, a standard non-owner’s car insurance policy will not offer the below mentioned types of coverage. You may have to buy them separately.

  • Comprehensive
  • Collision
  • Rental reimbursement
  • Towing charges reimbursement

A typical non-owner’s vehicle insurance policy can work as a secondary coverage in the event of an accident with the primary coverage being the borrowed, leased or rented car’s insurance policy. You will have to check that out with the rental Car Company or the car’s actual owner prior to exploring your options.

Some non-owner’s car insurance providers do offer policies that also cover rental cars. Therefore, when you buy non-owner car insurance policy, it is vital that you ask your insurer whether rental vehicles are also covered. Normally, rental car companies have fleet insurance that provides basic liability coverage and doesn’t cover unlisted drivers.

How Much Does Non Owner Car Insurance Cost? Find Out With Help Online

Car insurance for non car owners could be much cheaper than a standard auto insurance cover. Our researches in the subject have indicated that non-owner vehicle insurance quotes cost around 5% to 15% less than traditional car covers. But it is important that you do extensive comparison shopping and compare quote estimates which provide similar levels of coverage. And if you are out to insure an expensive car then you could save significantly more especially when you compare non-owner’s car insurance quotes with a full coverage standard auto insurance policy. Nevertheless, you need to be aware that there are several factors that affect the premium pricing.

Accordingly, the overall cost of a non-owner’s vehicle insurance coverage will greatly vary depending on the below mentioned parameters.

  1. The extent of coverage being sought
  2. Your driving record and credit history
  3. Geographical location of your residence
  4. Number of miles that you will drive annually

In addition, if you are planning to purchase non-owner’s auto insurance cover for SR-22 filing then you will be charged substantially more since you are highly risky proposition to insure. Remember, you are going to drive a car that is owned by someone else or a rental company. The policy costs will be even more than what they would be if you are driving a vehicle which is owned by you. This is despite your having a good driving record. With bad driving slate, things could be worse. Hence, it is better that you consult a local expert for getting the right type of advice which can help you in making an informed decision on your purchase.

Atozinsuranceusa.com can assist you in fixing free consultation with a competent agent online through a process that is easy, simple and hassle-free. To get started with your task, just complete a simple online form.

Finding A Cheap Non Owner Car Insurance Policy - 3 Factors That Affect Rates

As mentioned earlier, non-owner’s car insurance policies tend to be much cheaper than standard car covers. But the actual costs of a policy of this kind could depend on different factors including which include your state and the type of insurer that you are working with. Here is some information about few prominent parameters which may most likely impact your non-owner’s vehicle insurance premium cost.

  • Your age and gender - Teen, young or new drivers that have less experience behind the wheels will have to spend substantially more money for insurance in getting non-owned cars insured as compared to senior and more experienced drivers who have good driving records.. But again the auto insurance premiums charged for female drivers could be little bit lower than male drivers as women are considered to be safer drivers as revealed by past studies.
  • Status of driving record - If your driving slate is clean and free of any previous accidents or traffic violations or pending traffic tickets then it will be easier for you to qualify for low sustainable non-owner car insurance rates.
  • Levels of coverage sought - The higher the coverage limits, higher will be the premium. So, if you buy your state prescribed minimum liability coverage for third party bodily injuries and property damages, it will be the cheapest option. But it is always recommended to purchase coverage with adequate limits for protecting your finances. Expenses post an accident could be very much unpredictable and can even surpass all your expectations.
Few Frequently Asked Questions (FAQs)
Yes, it is perfectly possible to get a car insurance cover even if you don’t actually own a car. There are companies which provide auto insurance policies to drivers that are not actual owners of any vehicles. But to get a non-owned vehicle insured, it is important that a driver has valid driver’s license to drive legally on road. You can purchase a car non-owner’s insurance policy if you need to drive a vehicle which is not owned by you. Talk to an expert to know if you really need to buy such type of a car coverage.
A non-owner’s vehicle insurance policy provides personal liability coverage to drivers who drive someone else’s vehicles. These may include cars owned by friends or relatives and rental vehicles as well. If a borrowed or rented vehicle meets with an accident, the resulting damages can be colossal at times. Although these vehicles may be covered under car owners’ regular or company’s fleet insurance policies, they might not cover unlisted drivers. In such type of a situation, a non-owner’s vehicle insurance policy may cover up costs for medical bills or property damages of third party victims as well as the borrowed or leased car’s non-owner driver.
The following categories of drivers may be required to buy non-owner’s car insurance:
(i) Licensed drivers who borrow cars frequently from friends or relatives
(ii) Licensed drivers that need to get cars on rent from rental companies on a regular basis
(iii) Drivers whose licenses have been suspended due to DUI/DWI convictions and have filed for SR-22 certification.
Non-owner’s vehicle insurance policies are much cheaper than standard auto insurance policies. It has been found that on an average, drivers tend to pay around 5% to 15% less than what they will pay for regular car insurance. However, this type of a car cover can be used as a secondary coverage with the primary cover being the car owner’s insurance policy.
Major national car insurance companies such as GEICO, Progressive, State Farm, The General, etc. provide auto insurance coverage to non-owner drivers. You can directly get free quote estimates from these insurers and compare them in terms of coverage features, limits and pricing. The task of doing shopping and comparing multiple free quotes can be complicated and exhaustive. Hence, to make the process less stressful and arrive at an informed decision on your purchase, it is desirable to seek help from qualified experts who can guide you.
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