Do you want to travel to a destination where Car insurance is needed? The good news is that an option called “Non-Owner Insurance” is available for individuals with no car. To get car insurance coverage with no car, it is important to go through the following method to complete your application.
In achieving this goal, you must manage certain commercial policies for the vehicles given to employees for some occasional offers. Such a relationship could be applied to vehicles not contracted with, registered to, or owned by the business or on its behalf, such that the non-owner insurance policy liability coverage can be extended.
What to Know About Car Insurance Policy Without a Car
Non-Owner Car Insurance:
A car insurance without a Car or simply “Non-owner car insurance” is designed for individuals who don’t own a vehicle but may occasionally drive cars that they don’t own. This type of insurance provides liability coverage, which pays for bodily injury and property damage that you may cause while driving someone else’s car. It does not provide coverage for the vehicle you are driving.
Named Non-Owner Insurance:
Named non-owner insurance is similar to non-owner car insurance but may offer a bit more flexibility. This type of policy allows you to add specific coverages (such as medical payments or uninsured/underinsured motorist coverage) to your non-owner liability policy.
Rental Car Insurance:
If you frequently rent cars, you can purchase insurance coverage directly from the rental car company. This typically provides liability coverage and coverage for the rental vehicle. However, it can be more expensive than other options.
Why Do I Need A Non-Owner Car Insurance policy
- A non-owner car insurance policy is important to provide property damage liability and bodily injury coverage on a vehicle. In many cases, when a driver does not own a car and intend to extend the validity of his license, a non-owner insurance policy is needed.
- If you frequently use vehicles that don’t belong to you, for instance, when using your employer’s car or providing transportation for someone in their vehicle.
- If you regularly rent cars, either for personal or business purposes, and you do not have insurance coverage through your credit card or from the rental company.
- If you are temporarily without a car, such as after selling your vehicle with plans to purchase another one soon, and you want to avoid a lapse in coverage that could lead to increased insurance rates.
- If you are a user of car-sharing services like Zipcar, Car2Go, or Maven. If you are obligated by a court order to maintain liability insurance to retain your driver’s license, which may result from serious traffic violations, DUI convictions, citations for reckless driving, accidents occurring without insurance coverage, or other legal issues related to vehicles.
How Do I Get Auto Insurance Quote?
Many auto insurance providers do not offer online quotes for non-owner insurance policies, requiring direct contact with the company for a quote. Before making the call, ensure you have necessary information ready, including your driving history—details on accidents, previous tickets, and license suspensions—along with your driver’s license state of issue and number. If you decide to proceed with the policy, you may need to provide a credit or debit card number over the phone for payment, as most non-owner car insurance policies typically do not have deductibles.
In the event of an accident involving a vehicle you don’t own, the insurance policy on that vehicle would be the primary coverage for damages. However, if that policy falls short of covering all incurred damages, your non-owner car insurance would act as secondary coverage, stepping in to cover the remaining costs. To initiate coverage from a non-owner’s policy, the liability limit must exceed the liability limit on the owner’s auto insurance policy. For instance, if the owner’s policy has a $10,000 limit for property damage and the accident results in $20,000 in damages, your non-owner insurance policy would contribute the additional $10,000, provided its liability limit is $20,000 or higher.
List of Insurance Companies Offering Car insurance policy without a Car
To get a car insurance policy without a car, ensure you first compare their cost of insurance coverage. This will help to choose the best policy. Below is a list of companies that can offer a car insurance policy without a car.
- State Farm
- Geico
- Progressive
- Allstate
- Nationwide
- USAA (primarily serves military members and their families)
- Travelers
- Liberty Mutual
- Farmers Insurance
- The Hartford
Companies Offering Car Insurance policy without a Car by State
- New Jersey
- Michigan
- Rhode Island
- Wisconsin
- South Dakota
- Iowa
How Much is the Cost of Non-Owner’s Insurance?
To get the cost of car Insurance without Car, it is important to visit and compare different policies from different companies and by a state. The cost varies depending on the type of coverage attached to the policy and terms. The cost of a non-owner’s policy is also subject to change depending on the locality in which you reside. For instance, the average cost in California is $286, while in Florida, it stands at $902. To obtain a quote for non-driver insurance, you must not possess a car, and you need to hold a valid driver’s license. If a household member owns a vehicle and you drive it, it is advisable to be promptly added as a driver to that policy to mitigate potential legal or financial liabilities.
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Comparing the cost as follows, it may be derive that the cost of car insurance policy without a car can vary by states.
- Iowa – – – $246 per year.
- Michigan – – $1,073 per year.
- New Jersey – – $1,090 per year.
- Rhode Island – $972 per year.
- South Dakota – $235 per year.
- Wisconsin – – $171 per year.
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