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A non-proprietor car insurance policy is designed for people who manage not own any car and frequently drive vehicles belonging to other people--perhaps cars owned by buddy, or rental vehicles. The scheme protects any damages you might cause to somebody's property and any wounds for which you are liable. It will not pay with harm to the vehicle you're driving, but, since it remains a liability-only scheme with no collision coverage.

Limited Options

Most insurance companies work not supply non-owner policies, or give them on some very restrained basis. As regarding 2009, American Family Insurance policy, to event, provides some restrained non-proprietor policies to people who have beforehand received any conviction of driving while inebriated and presently need evidence regarding insurance to get a new driver's license, nonetheless no longer own a automobile.

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Automobile Rentals

Persons who do not own any vehicle also frequently hire one particular with traveling, or lease one merely to use for some certain length of time, may have a monetary advantage with purchasing some non-proprietor policy rather than compensating the rental corporation insurance each time. Numerous vehicle rental companies, however, require that the person purchase coverage from the rental business.

Uninsured Coverage

Non-owner policies also are beneficial from states wherever insurance policy coverage remains not compulsory, plus everywhere any driver may be debt one uninsured vehicle. However, as of 2009, nearly all states ask auto insurance.

Obtaining Quotes

If you're fascinated in purchasing a non-owner car insurance policy, call several agents or check websites to gather quotes. Prices and types of coverage alter widely, so that you'll want to undertake some research to secure the very best coverage for the lowest value. Begin together with all insurance companies you currently work business with, in case they contain an umbrella policy option which would contain non-owner car insurance coverage.