How many times have you found yourself needing to borrow a vehicle to get to work or run errands? Not everyone has a vehicle of their own, but many people often borrow vehicles, rent, or even use company vehicles for their day-to-day errands, business, etc. If you use vehicles owned by others frequently, you should make sure that you are properly insured. While the vehicle you are driving may carry insurance, it is still best to have additional coverage, which you can get when you buy a non-owner auto insurance policy. This will protect you if you have an accident and you are at fault, and cover a lot of the expenses that can arise from that accident
Non-Owner Insurance Explained
Non-owner car insurance is good to have if you are a frequent driver, but do not own your own vehicle. It will cover a lot of the expenses from an accident, including liability, medical expenses, and the costs that can arise if you have an accident with an uninsured/underinsured driver. While it is good to have this additional coverage, remember, there are some things that it will not pay for, including: 
- Comprehensive Coverage
- Collision Coverage
- Rental Car Coverage
Non-Owner Insurance Can Help You in Other Ways
Sometimes, we do things that we shouldn’t, and we end up having to pay the price. This can include driving while under the influence or having accidents without insurance. When these things happen, there are fines, and drivers can lose their rights to drive for a period of time. Having non-owner insurance can help you if you are in this type of situation. For instance, if you need an SR-22, but do not own a vehicle, this can come in pretty handy. You can purchase your non-owner auto insurance, and attach an SR-22 filing to it.
Buying Non Owner Car Insurance
You can buy non-owner car insurance from any company that sells auto insurance. The cost is relatively low, comparable to that of the cost of basic liability insurance that is required by every state.
To get the best deals, you should get a number of non-owner insurance quotes. You can do this by entering your zip code in the box provided. If you just go with the first insurance company you talk to, you may not get the best rates for this, or any other type of auto insurance.
- Ask about the “Assigned Risk Program/Plan” that is offered by your state If the company does not offer a policy that is in accordance with this program, you can file a complaint with the state board of insurance. This is coverage that you are entitled to, and all you have to do is ask for it.
Once you have received a few quotes, you need to sit down and study them all. There are a lot of things to consider, including pricing and payment schedules, and the more you know, the better able you will be to decide which company is going to be able to serve you best.
