Dont take the risk, protect yourself with non owner auto insurance. This insurance is often overlooked but can provide much needed coverage for those who find themselves in a situation that requires them to drive without auto insurance. Non owner auto insurance could save you from worry that can arise when caught in a situation that you didn’t foresee.
What might that situation be? If you find yourself in need of a rental car or temporarily driving someone else’s car. You might also need it if you are borrowing a car from a friend or if you are sharing a car with your significant other while they are away. That’s why you can’t take the chance and leave yourself unprotected. Non owner auto insurance coverage provides you with the financial security that is needed to allow you to drive without worrying.
Sometimes the rental car companies mandate that you have to have non-owner auto insurance. However they will often offer their own coverage at an extra cost but if you don’t want to spend money on the coverage, you might need to find your own as the rental company won’t rent you a car without proof of insurance. Buying non-owner’s auto insurance can save you that money and give you added peace of mind knowing you are covered.
Another convenient aspect about non owner auto insurance is that it is usually fairly inexpensive compared to a traditional full coverage auto insurance policy. There are some restrictions though that can come with the non-owner’s auto policy and these policies may not include collision or comprehensive coverage, depending on the state you are in. But it still could be a saving grace for those just trying to save money when they need to borrow or rent a car.
Besides saving money, there is the added perk that non-owner auto insurance can also help keep your driver’s license active when it might otherwise be suspended. This is because most states require that you maintain auto insurance and when you are uninsured and you get into an incident, your license may be suspended. Having a non-owner’s auto insurance policy in place can be a way to protect your license.
Most people don’t know about non-owner auto insurance and that can be a mistake. The risk of being caught without coverage in an emergency situation can be nowhere close to being worth it. Don’t take the chance. Do your research and get the protection of a non-owner’s auto policy before you ever need it.
In addition, it can potentially be beneficial for individuals who finance cars and don’t have a conviction of driving without insurance in the past three years. This program will help build your insurance score to get you better rates when you buy a car and also it will help you qualify for Full Coverage insurance if you don’t qualify for it initially.
Moreover, Teenagers and college students who do not own a vehicle can benefit greatly from this coverage as well. Young drivers are more likely to get into accidents than more experienced drivers, so non-owner auto insurance can provide the coverage they need in rental cars without having to pay for overly expensive auto insurance for their own cars.
Employees may also find themselves needing non-owner auto insurance, especially if they frequently drive company vehicles. They may not want to take the risk of driving a company vehicle without some kind of coverage, and this is a great way to get coverage for a much lower cost than a traditional auto insurance policy.
For those who often lend their cars to others, non-owner auto insurance can be a way for them to provide additional coverage for those who are borrowing their vehicles. With this, they can have assurance that whoever is borrowing their car is responsible and has proper coverage even though they may not be the owner of the car in question.
Non-owner auto insurance policies can also make it easier to switch from one car to another. If you want to switch from a vehicle you own to a rental car for a short amount of time, you can simply transfer your insurance policy quickly and easily with no hassle. You’ll be able to drive off in your rental car knowing that you and your vehicle are properly insured.
At the end of the day, getting non-owner auto insurance is all worth it due to the security and peace of mind it can provide in unexpected or temporary situations. This type of coverage allows you to save money and get the same quality coverage as a regular auto insurance policy. So why take the chance? Protect yourself with non-owner auto insurance today.