Non owner car insurance – You do not have a car but you often drive a car that either by hiring or borrowing your friend’s car? You will need non owner car insurance. The requirement of this insurance is just like ordinary car insurance. However, it is specifically purposed for car that does not belong to you. Even if you do not want it, the rightful owner of the car may require you to have this insurance. It is all about protection towards you as the driver since in many cases happening on the streets, driver is the one that is to blame for what happens.
In short, non-owner insurance is to give protection the driver. Without this insurance, you are illegal driver. It implies that it allows you to be a legal driver even you only drive somebody else’s car. Before you buy non owner car insurance, you have to know some facts. Let’s see those facts below.
Non Owner Insurance Coverage
Since non owner insurance is just like typical car insurance, the coverage is almost the same. It covers the driver in particular, but does not cover the car. The coverage will be consisting of liability, medical coverage, personal injury and uninsured/underinsured motorist.
If we talk about if it is more expensive or not than regular policy, we cannot decide for sure. The difference of policy between regular and non owner car insurance lies on the annual mileage. The mileage of the car cannot be considered as an important factor since the insurance company cannot decide whether you use the car often or not.
Besides, another difference also lies on the comprehensive or collision coverage since the driver, which is you, is not the owner of the car.
Influential Factors of the Coverage Cost
These ones are similar to regular auto insurance. The first influential factor is your age. Being under 25 years old or unmarried possibly makes you charged in higher cost than people above 25 or married.
Then, the city or state where you are living now is also highly considered. If you live in a city or state that has higher rate of car accident, automatically, the cost of coverage is higher than those with lower rate of car accident.
Check your driving record now. If you have involved in car accidents in the past, the insurance company will hardly charge your lower rate. Then, the frequency of your normal driving will be considered.
It has to be underlined that non owner car insurance is purposed for occasional drivers that do not own a car at home. This insurance is not appropriate if you have been married or you drive your parents’ or relative’s car. Being in this kind of situation will require a family plan rather than non owner insurance.
If you are used to going to work from your home to office by bus and sometimes you want to go out by hiring a car, then this non car owner insurance is the best choice you have.
Finding Non Owner Auto Insurance
Are you sure that you are a suitable driver who requires this type of insurance? If you are, let’s go to the market. Internet resources will he helpful to conduct this task. You have to basically understand the current rates offered by several different companies. Only then, you can compare between the available choices to take the final decision.
To get lower cost, you had better ask for driver discounts. Companies provide varied discounts to all drivers. Each company offers different discounts so you have to get yourself educated.
You are a kind of drivers who become a member of a certain group, students with good academic achievements or drivers with high quality driving records, surely you will be qualified to get discounts. Then, your cost of non owner car insurance will be a lot lower.