Can I Get Car Insurance if I Don’t Own a Car?

If you don’t own a car but drive vehicles belonging to others or rent vehicles, you need car insurance. Even if you aren’t listed as an owner of a vehicle, you can still get insurance to help provide financial protection.

Non-owner Car Insurance 

Non-owner car insurance is designed for people who drive cars they don’t own. It typically provides liability coverage to help cover damages or injuries you might cause to others while driving a vehicle that isn’t yours. This type of insurance typically does not cover damage to the vehicle you’re driving or your accident-related injuries.

Non-owner auto insurance can be appropriate for the following:

• Frequent renters—If you regularly rent cars, non-owner insurance can provide liability coverage beyond what the rental company offers and may provide more favorable rates.
• Occasional drivers—If you occasionally borrow a friend’s car or family member’s vehicle, non-owner insurance can provide financial protection up to the policy’s limits for injuries and property damage you may cause.
• Those without regular access to a car—Even if you don’t own a car but occasionally drive, having non-owner insurance ensures you’re covered whenever you’re behind the wheel.

How to Get Non-owner Car Insurance

An experienced agent can help you get non-owner car insurance by helping with the following:

• Research insurers. Shop around and compare quotes from different insurance companies that offer non-owner policies.
• Choose coverage limits. Select coverage limits that meet your needs, ensuring you have adequate protection in case of an accident.
• Apply and purchase coverage. Complete the application process with your chosen insurer and purchase the policy that best suits your needs.

Before purchasing a policy, compare options and consult with insurance providers to find the best coverage for your situation. With non-owner auto insurance, you can drive with confidence, knowing you’re protected wherever your travels take you.

Contact Family Affordable Insurance in Edinburg, TX, to learn about your options and get a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.