{"id":3381,"date":"2020-02-18T10:29:58","date_gmt":"2020-02-18T18:29:58","guid":{"rendered":"https:\/\/www.usagencies.com\/blog\/?p=3381"},"modified":"2020-03-30T12:24:26","modified_gmt":"2020-03-30T19:24:26","slug":"non-owner-car-insurance","status":"publish","type":"post","link":"https:\/\/www.usagencies.com\/blog\/auto-insurance\/non-owner-car-insurance\/","title":{"rendered":"Non-Owner Car Insurance: What You Need to Know"},"content":{"rendered":"\n<p>Non-owner car insurance can be a tricky subject to grasp. How come you need car insurance to drive when you don&#8217;t own a car, right? What happens if you only borrow your friend&#8217;s car a couple of times a month? Do you need car insurance to drive it?&nbsp;<\/p>\n\n\n\n<p>If you have a license but don&#8217;t own a car, these questions can seem difficult to answer, but non-owner insurance could be a great way to get some clarity on the subject and the coverage you need.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Non-Owners Car Insurance?<\/h2>\n\n\n\n<p>People don&#8217;t usually know that they can get auto insurance without owning, but it&#8217;s important to understand that you&#8217;re legally required to have insurance even if you only drive occasionally. The most common type of non-owner insurance covers the minimum liability requirements for your state.<\/p>\n\n\n\n<p>Aside from the state minimums, non-owers insurance can also cover:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Uninsured and underinsured motorist protection if you get into an accident with a driver that doesn&#8217;t have any coverage.&nbsp;<\/li><li>Protection against personal or major injuries caused by an accident, regardless of who&#8217;s responsible for the collision.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Who Should Consider a Non-Owner Insurance Policy?<\/h2>\n\n\n\n<p>There are a few instances when a driver should consider getting this type of coverage. One of the most common ones pertains young drivers insurance because they usually don&#8217;t own a car when they start driving, but there are other circumstances:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li> Someone who rents cars or provides ride-sharing services.<br>When a driver&#8217;s license gets revoked and has to file an SR-22 without owning a vehicle.<\/li><li>If you borrow other people&#8217;s cars frequently.&nbsp;<\/li><li>You&#8217;re a business owner whose employees drive their own vehicles for business purposes. <\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">How Does Non-Owner Insurance Work?<\/h2>\n\n\n\n<p>While standard car insurance covers the vehicle registered under it, non-owner policies protect the individual driver purchasing it, usually as secondary coverage.&nbsp;<\/p>\n\n\n\n<p>For example, let&#8217;s say you borrow a friend&#8217;s car with $30,000 of property liability coverage, and you get into an accident that resulted in $35,000 in property damages, your non-owner insurance would take care of the remaining $5,000. This works as long as your policy has a limit of $35,000 or more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is There Anything Not Covered by Non-Owners Insurance?<\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li>Collision or comprehensive insurance for the car you drive. Remember, a non-owner policy works to supplement the vehicle&#8217;s current coverage, so you won&#8217;t be able to cover the damages to your friend&#8217;s car with it.&nbsp;<\/li><li>If a driver already lives with someone who owns a car. For example, if you&#8217;re looking for the cheapest insurance for car-less young drivers who live with you, but you already own one, you&#8217;re out of luck. You would have to list them as additional drivers on your current policy, driving the cost up.<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Is a Non-Owner Insurance Policy?<\/h2>\n\n\n\n<p>The pricing works similarly to a standard policy, as its mostly based on factors like age, residence, how much coverage you need, the deductible you pay, and others. So, to get an accurate rate, contact a licensed insurance agent.<\/p>\n\n\n\n<p>Looking for quality auto insurance at a low price? USAgencies can help you find the best policy for your needs and budget. Get a free car insurance quote online, over the phone, or at one of our locations near you.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/www.usagencies.com\/car-insurance\/\"><img decoding=\"async\" width=\"200\" height=\"51\" src=\"https:\/\/www.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2020\/02\/red-button-Getaquote.png\" alt=\"get a quote button\" class=\"wp-image-3395\" \/><\/a><\/figure><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"tel:800-420-3712\"><img decoding=\"async\" width=\"200\" height=\"51\" src=\"https:\/\/www.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2020\/02\/red-button-callus.png\" alt=\"call us button\" class=\"wp-image-3396\" \/><\/a><\/figure><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/www.usagencies.com\/locations\/\"><img decoding=\"async\" width=\"220\" height=\"51\" src=\"https:\/\/www.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2020\/02\/red-button-findyouroffice.png\" alt=\"find your office button\" class=\"wp-image-3397\" \/><\/a><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Non-owner car insurance can be a tricky subject to grasp. How come you need car insurance to drive when you don&#8217;t own a car, right? What happens if you only borrow your friend&#8217;s car a couple of times a month? Do you need car insurance to drive it?&nbsp; If you have a license but don&#8217;t [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":3398,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-3381","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3381"}],"collection":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/comments?post=3381"}],"version-history":[{"count":5,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3381\/revisions"}],"predecessor-version":[{"id":3399,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3381\/revisions\/3399"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media\/3398"}],"wp:attachment":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media?parent=3381"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/categories?post=3381"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/tags?post=3381"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}