subject: Non-Owner Car Insurance [print this page] Non-Owner Car Insurance
Sometimes motorists will find that they need an auto insurance coverage even when they do not own a vehicle. If you are one of these motorists that still drive on the road with a borrowed or rented car, obtaining a non-owner car insurance can be fairly easy to come about online through auto insurance companies. It is a good idea to get covered by non-owner insurance as is will give you as the driver some type of personal liability that is not covered by the vehicle's owner policy. Do a comparison shop online to get the best rates and know what the minimum requirements are for the state that you drive in.
Comparison shop online for the best rates
While searching online for auto companies, get a few quotes from different companies to compare the rates provided. Sometimes the car insurance companies will even do a rate comparison for you at no additional charge. By comparing online quotes, you can easily see the costs in the fraction of the time it would take if you were to call or visit insurance companies. Plus, a search for non-owner insurance online helps you to choose the lowest and best policy for you as the driver by seeing the monthly premiums. It helps to choose the policy by comparing non-owner quotes side by side.
One thing to remember is that non-owner insurance policies will cover the basic amount of liability and can be found relatively cheap especially when searching for auto insurance online. Most insurance companies have the option to choose a non-owner insurance as well as SR22 high risk insurance by asking you questions and then getting a feel for your driving record. Non-owner insurance is less expensive than regular insurance in general, so don't worry about paying high monthly premiums as with other kinds of coverage.
Focus on getting the coverage your state requires
Another thing to keep in mind during yournon-owner insurance rates comparison is that this type of insurance is an additional piece of the puzzle. For example, if you were driving a friend's car and get into an auto mobile accident, the policy that covers your friend's vehicle covers the initial part of the accident and if the costs exceeds the policy amount, the non-owners insurance you purchased will then cover the claim. You can also expect to find that the coverage will be for bodily injury liability, medical payments, and uninsured and under insured motorists. Most non-owner insurance will not cover the costs for towing or collision damages.
Search online for your states requirements for a minimum liability coverage for non-owner car insurance rates. You can also read up on information provided by your states motor vehicle department or through online auto insurance companies that provide non-owner liability coverage. Another way to find information that pertains to your state's regulations and requirements for insurance is to ask around to friends and family members who may at one point purchased the policy. Before obtaining non-owner insurance focus on the minimum requirement for your state.
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