Between You and a Non-Owner Auto Insurance Quote
Do you need a non-owner auto insurance quote? Who says that you need your own car for you to be on the road? Why worry when you can always borrow one from a family member, a relative or a friend. Besides, rent-a-car companies are almost everywhere.
On the other hand, you may not bother borrowing or renting a car, but you must be concerned with two things that you really need to have before you get to the driver’s seat. One is your driver’s license and second, a non-owner car insurance to secure yourself. If you don’t have the second, time to start getting some non-owners auto insurance quotes.
Most people are not aware that this kind of policy exists but the auto insurance industry has designed such to cover drivers who often rent, borrow or use a vehicle not registered under their name but need coverage while they are driving. This insurance pays liabilities such as repair expenses, medical bills, among others caused by incidents on the road.
Who Needs Non-Owners Policy?
Insurance specialists highly recommend non-owners car insurance to anybody who does not own a car or hires one most of the time. Although most car rental carries liability coverage, it can be sometimes insufficient because it only covers minimum liabilities depending on the requirement of the state.
Hence, if you got into trouble and the coverage amount is lower than the estimated amount of property damage and hospitalization, the extra amount will be under your care. The same thing applies when borrowing a car. If you do not want to be sorry paying for the uncovered amount, take time to ask the amount of coverage that your father, brother or friend has.
Drivers of shuttles, cars and other company-owned vehicles are usually covered by commercial insurance. Still, a driver will shoulder expenses beyond the limits of the policy in case of serious accidents. Even when you are a car owner, there might be situations when you will need a non-owner’s policy and so you should look around for a non-owner auto insurance quote.
How Much Does a Non-Owner Insurance Cost?
A non-owner insurance policy is generally cheaper than renting a car for 10 or more days in a year. The cost is also lesser than an owner’s insurance because of the lower risk that the insurance company places on a person who does not regularly drive. Several considerations such as the desired amount of coverage, driving record, frequency in renting or borrowing a car, and the state where you live may help determine the cost of the insurance.
If you need exact figures, a non-owner auto insurance quote might come handy with just one mouse-click. Check auto insurance companies online and download an available quote. However, it remains that the best persons to approach for non-owner auto insurance quote and get advice from are the insurance experts. They can seamlessly explain everything from how a certain policy works, the coverage for each specific policy, coverage options to the smallest detail that you might be concerned of.
Not having a car is not a reason for people not to experience the pleasures enjoyed by those who own one. Only that, there has to be a stronger sense of responsibility among all drivers – owners or non-owners. In the end, no one wants to waste money.
The first move is to get that quotes. Then, don’t have second thoughts on purchasing a policy unless you want car rental companies or your friends to have second thoughts on you when you rent or borrow their car. Next will be history. Study your options and shop around for non-owner auto insurance quote today!