Get Car Insurance Coverage Without A Car
Even if you?re leasing or renting a car, meaning you don?t really own it, you are still required to have car insurance coverage to be legally allowed to drive. Non owner insurance acts similarly to auto liability insurance to ensure that anyone injured or any property damaged in an accident where you are at fault is covered. Non owners insurance is available from all insurance providers and the car insurance rates are comparable to regular liability insurance. If you want to learn more about the auto insurance terms available when you don?t own a car, here is some information about non owner car insurance.
Liability Car Insurance Coverage
Auto liability coverage is the minimum required coverage in most states if you own a car. This makes sure that any injuries or damages to another party which are caused by your actions are taken care of so that people who are not at fault for an accident aren?t penalized. However, liability coverage is only available if you actually own the car which needs to be insured. Since you still need a form of liability coverage for cars which you don?t own, non owner auto insurance will cover you. Non owner insurance is essentially exactly the same as bodily injury and property damage auto liability insurance, except that you don?t own the car being insured.
When Non Owner Car Insurance is Required
Usually, if you are leasing or renting a car, non owner car insurance is required by the state. Depending on the terms of your rent or lease, you may be required by the company renting or leasing you the car to carry further insurance to cover the car itself in case of an accident. After all, non owner liability insurance won?t do you any good if the other person is at fault and doesn?t have insurance. Ask the company which you are leasing or renting from about their insurance requirements. It?s a safe bet to assume you?ll at least need non owner liability insurance.
Finding Non Owner Car Insurance
Every insurance provider is required to offer non owner car insurance, so you shouldn?t have a difficult time finding this insurance if you need it. Well known providers such as State Farm, GEICO or Progressive are providers you might consider. Some banks offer auto insurance, so those that do will also be able to offer non owner car insurance. If you are renting a car, the company renting it to you may also have special insurance offers since you?re renting through their company. Non owner car insurance isn?t difficult to find, so get all the quotes you can to compare them and find the best offer.
Non owner car insurance is almost always required if you are driving a car you don?t own. You can contact the company which is leasing or renting you a car to inquire about further requirements as well as recommendations for where to find non owner insurance.
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