Non-owner auto insurance may not even be something you are familiar with, but you could actually need it. This is especially true of you rent a car on a regular basis and simply rely on the insurance provided by the car rental agency. Believe it or not, it may be quite a bit cheaper to utilize a non owner car policy instead of overpaying for what the car rental agent tacks on.
To start off, you will need a basic about the run down when it comes to non owner insurance. Is it right for you? Is it something you need? The only way to be sure is to gather some information about it, compare rates from different insurance providers and maybe even speak to an automobile insurance agent about whether or not this would be best suited for your individual driving needs.
Who Might Need Non Owner Car Insurance
The bottom line is anyone who does not need to drive a car very often is the standard type of driver perfect for a non-owner insurance policy. To get an idea of who may be a candidate for this type of car insurance or to see if you may be among those drivers suited for it, consider these points: 
- In general, you do not need to use a car very often, therefore you do not even own a vehicle. In cases where you do need to drive a car, it is one that is registered to another driver.
- In some cases if you have had to get an SR22 form completed to obtain what is referred to as SR22 insurance you may need non owner insurance as well. SR22 insurance is for those who have been deemed high-risk drivers due to DUIs or other driving infractions and had their license suspended or revoked. In order to get their license reinstated, these drivers may also need to add non-owner car insurance to their SR22 policy if they will only be driving a car that is owned and registered to another person.
- If you frequently rent a car and opt for the car rental agencies insurance, you may be surprised to find using your own non-owner policy is more affordable. This is especially true if you have access to use a car that belongs to another registered owner but still thought renting a car and using the rental agency’s policy would be thriftier.
- For some jobs where you are required to relocate cars for short or longer distances, you may actually have to secure your own non-owner insurance even if it is just to cover the minor basics or fill in the gaps in your business covered insurance.
What to Expect from Your Non-Owner Car Insurance Policy
Keep in mind the most basic and most commonly used non-owner insurance covers liability only. You can add to it or use it in conjunction with other types of insurance to have a more complete and comprehensive insurance policy. So, the bottom line is that you should keep in mind certain things will not automatically be covered. These include but are not limited to:
- Collision, which is most drivers get as a basic policy and is generally more extensive coverage than liability
- Towing costs
- Rental expenses even following a collision
- Comprehensive insurance, which is another useful type of insurance drivers often get to help fill in all the gaps within their standard car insurance policy or collision policy.
- For rental cars, you may still be responsible for theft or damage caused to the vehicle. To prevent problems, it may be a good idea to ass collision to your non owner insurance policy too.
In some cases, if you are using the car of a closely related family member such as a parent or sibling, you may still be covered. Some drivers even get insurance that covers other drivers using their car. In either of these cases, this may be good for short-term use, but if you are going to use the vehicle on a regular basis or also want the ability to drive any car available, then getting a non-owner car insurance policy set up is your best option.
Depending on the amount you plan to drive and your driving record, you can see differences in rates. Using our system to get your free non-owner car insurance quotes is the best way to get insurance providers competing for your business and finding economically sensible rates.
