Non-owner car insurance is vital if you don’t own a vehicle but need auto insurance coverage. Whether you’re looking to get a license, need to file an SR22 or want coverage when driving a borrowed or rented vehicle, understanding how to get non-owner insurance is essential.
What Is Non-Owner Auto Insurance?
Non-owner insurance, also known as non-vehicle owner insurance or non-owner auto insurance, is a type of liability coverage for individuals who drive but do not own a car. This policy primarily covers bodily injury and property damage liability. It’s a practical solution for those who frequently rent cars, use car-sharing services or borrow cars from friends or family. 
Some states require proof of insurance to obtain a driver’s license. A non-owners policy can fulfill this requirement, providing coverage without owning a vehicle.
If you’re required to file an SR22 form due to a driving infraction but don’t own a car, a non-owner SR22 may fulfill that requirement. This insurance demonstrates financial responsibility by ensuring you have the minimum liability coverage.
How Can You Get Non-Owners Insurance?
An independent agent can help you find insurance companies that offer non-owner policies. Compare non-owner car insurance quotes to find the best rates and coverage.
If you need an SR22, verify that the insurance company offers non-owners SR22. Not all insurers provide this service, so confirming before proceeding is crucial.
Your agent can also help you review the coverage limits and exclusions. Ensure it meets your needs, whether it’s for basic liability or fulfilling SR22 requirements.
How Can You Find the Right Policy?
Finding an appropriate policy for your situation is crucial if you need non-owner auto insurance. Your agent can help with the following:
- Compare multiple quotes. Don’t settle on the first non-owner car insurance quote you receive. Compare different quotes to ensure you get the best deal.
- Understand the coverage. Know what your non-owner policy covers and what it doesn’t. Liability insurance won’t cover damages to the car you’re driving or your injuries in an accident.
- Ask about policy limits. Ensure the policy limits are sufficient to protect you in case of an accident.
- Consider customer service. Choose a company known for good customer service, especially if you need to file an SR-22.
Contact Us
Non-owner insurance is a specialized but essential product for those who drive but don’t own a car. Getting the right non-owner insurance policy can provide appropriate financial protection. Contact Gene Smith Insurance in Zephyrhills, Florida, to start comparing non-owner auto insurance quotes.