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Don't own, but still drive? Look for nonowners car insurance
Posted : 01/01/2012
If you don't drive a car regularly but want protection when you do, nonowners car insurance might be a good option.
Many auto insurance companies offer this type of coverage, although it's not widely promoted. A policy typically costs a few hundred dollars a year and can make sense for people who frequently rent a car.
"If you don't own a vehicle, it's recommended you carry some type of nonowners coverage that provides liability [insurance]," says Angela Preciado, auto product management director at USAA Insurance.
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The monthly cost of nonowners auto insurance varies. Factors that influence pricing include:
- The amount of protection you want
- How often you plan to use a car
- Your driving history
Looking for cheap car insurance? Getting multiple quotes on a nonowners policy will ensure you get the most bang for your buck, says Mark Smigelski, a personal insurance product specialist at State Auto Insurance Companies.
"It's very competitively priced," he says.
Nonowners auto insurance limits
Nonowners auto insurance generally covers liability only, which protects you if you are at fault for any injuries or property damage suffered by another driver.
Nonowners insurance typically does not include the following coverages:
- Comprehensive
- Collision
- Towing reimbursement
- Rental reimbursement
“The intent of the nonowners is to provide liability protection, not physical damage coverage for the vehicle," Preciado says.
Nonowners auto insurance may make sense if you regularly rent cars. Insurance sold by a rental agency is often expensive – liability insurance purchased via a rental car company costs between $7 and $14 a day, according to the Insurance Information Institute (III).
Nonowners insurance is "most likely cheaper" than rental agency insurance, particularly if you rent a car often, Smigelski says.
If you occasionally borrow the car of a friend or family member, the owner's insurance policy will cover any accidents. However, a nonowners policy can still pay off in such circumstances.
For example, if the owner's liability limits are low, your nonowners policy may offer additional protection if you are sued.
In most cases, you will not have to pay a deductible if you file a claim under a nonowners insurance policy.
Damage and theft protection
If you opt for a nonowners car insurance policy, it's important to remember that the policy will not cover any damages that occur to a car you rent. For this reason, it often makes sense to purchase a collision damage waiver – commonly known as a "loss damage waiver" – from the car rental agency.
Technically, a loss-damage waiver is not insurance. But, it will protect you from being responsible for damage to or the theft of your rental. Waivers also may offer protection from "loss of use" fees charged to renters while the car is being repaired.
A waiver typically costs between $9 and $19 per day, according to III.
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I just got non-owners liability from American Family Insurance.
Reply»i need non-drivers insurance
Reply»My son has alot of points on his policy. He currently has a non-owner policy and lives at home. He is looking to buy a car. To save money, can I, his father, insure the car under my policy (with full coverage) at a much lower cost, and have him drive the car with the non-owner policy? This would be much cheaper than him insuring the car undr his name. Is this OK to do?
Reply»Tony.... here is what can happen in your situation.... by insuring his car in your name under your own policy makes your policy primary when it comes to claim time.... meaning your policy will pay first. Any law suits will fall primarily upon u. because u allowed him to drive know he had a BAD driving record. Insurance follows the car not the driver. Question is: Do u want to take that risk?
Reply »i need a quote in Tampa,Fl....I'm a HTO and i need non- owner insurance bad Please help someone
Reply»I do not own a car but would like to barrow or rent one.
Reply»For those having trouble getting liability insurance for non-owners, try www.answerfinancial.com. You can also ask the insurance company that carries your homeowner's, renter's, life or health policies if they would offer you this type of policy. They may offer it and give you a discount for piggy-backing an extra policy.
Reply»No, Lee, that only pops up to Geico and then asks for your vehicle info. There is never an option for "No car" at any site on the interweb. I think you could sooner find a Unicorn.
Reply »This was a pretty helpful article, but I was personally already looking for non-owners insurance when I found it. Whenever I go to get a quote I am asked to provide details on the vehicle I wish to insure. I don't have a vehicle to insure which is why I needed non-owners in the first place. Most of the insurance companies I have looked at offer non-owners for employers who wish to insure the drivers of company cars, but not for the average non-car-owner who might have use for driving. I need help just finding a policy/quote. If someone has any advice as to what companies I should look at it would be greatly appreciated!
Reply»Hi, Thank you for your tips. I will like to understand if i can use the 'Non Owners/Named Operator' policy to cover the liability and my Visa credit card to cover the collision on a rental card? Can we mix the two to cover the insurance charges? Is it possible or doable? Thanks, yuvi
Reply»Hi, I am a bit confused with the different content and responses i have received. I will like to know if the non-owners or the named operator policy can be used on rental cars or not? (to cover the liability)? If it does, can we use a combination of this policy (to cover liability) and a visa credit card (to cover collision) on rental cars? Please advise. Thanks, yuvi
Reply»Hello, I was hoping to get a quote for a nonowners auto policy. Please advise. Thanks, Andy
Reply»Hello, I was hoping to get quotes for non-owners auto insurance. Please advise. -Andy
Reply»While the information is helpful in explaining WHAT it is and for, it does nothing to assist in actually acquiring the insurance in question. I have a vehicle and am the ONLY driver, 99% of the time. Occasionally my son will run an errand for me, but it is definitely NOT worth claiming him on my insurance rates! (kicked up from about $600 for 6 mths to $1800!! who can afford that!?!?!) I am with the woman above requesting insurance on the DRIVER for the few times they may drive the vehicle in question. So far, it is similar to chasing your tail.
Reply»I need a quote for non owners insurance
Reply»The Car rental companies are now asking for car insurance, for me and I don't have a car, but I do be driving my brothers and sisters car. I need now owners car insurance
Reply»need non owners insurance
Reply»Great article, here are several tips from me on how to get cheaper car insurance: - Use insurance comparison site like Insurance.com. You may be able to compare quotes from many insurance companies. - Ask for group discount.Get as many insurances as you need from the same company. - Stay insured.If you cancel your plan even for several days, some companies may consider you as high risk and you may need to pay more next time. - Car Security Devices.Any extra security measures you take to deter thieves from stealing your car will further decrease the risks you pose to the insurance company. - Good driving records.that will definitely lower your price.
Reply»Your form at the top of this article requires you to enter a vehicle. So, this site does not provide quotes for non-owner insurance.
Reply»If you need more assistance you can always call our registered agents. Our number is 1-800-726-4780.
Reply »Got quotes from both in Virginia and Maryland. You guys may to start there.
Reply»I called a few agents and no insurance company will provide insurance for a rental car. They said it cover temporary borrowing or usage of vehicles that you you do not own. The vehicle cannot be at your disposal for 24 hrs of a day.
Reply»I just called Insurance.com & they DON'T sell non-owner auto insurance everywhere. Has anyone in Mass got it? -Bil
Reply»need non owner car insurance quotes
Reply»I need a quote for nonowners insurance for NC as soon as possible. Thanks. Phil Banks
Reply»Looking for non owners insurance to protect me for when I do drive?
Reply»You can request a quote for nonowners car insurance by using our form at the beginning of this article or by checking out our auto insurance homepage at Auto Insurance Quotes. Thank you for using Insurance.com!
Reply»I have tried 25 Insurance companies online and there is now possible way to get an online quote for non-owners insurance. Apparently, we must call the companies and try to get quotes. My reason for looking is that at age 55, and having driven and had continuous insurance in place since, and have recently moved to NYC and considering selling my vehicle, but still wanting to insure my driving a rental, friends car or hertz-on-demand or ZipCar and not have a problem in a few years if i decide to purchase a car once again.
Reply»I would like a quote on non owners insurance for my grandson that does not own a vehicle, but sometimes drives my vehicle.
Reply»I have been trying to get a quote for non owners insurance but everytime I go to a website the only options they give me is to get insurance on a car. I don't own a car, but i want to be able to drive my roommates vehicle on occasion and feel safe doing so. help?
Reply»I am wanting a quote for non-owners insurance
Reply»