I’m looking for some advice on non-owner car insurance. I’ve been borrowing my friend’s car quite a bit lately and want to make sure I’m covered in case anything happens. I’ve never had to get this type of insurance before, and I’m wondering if it’s possible to buy it online?
A while back, I used an online service to get my regular car insurance and it was super convenient. Does anyone have experience with purchasing non-owner car insurance online? Any recommendations on where to start or things to look out for?
Yes, you can buy non-owner car insurance online. This type of insurance is for people who don’t own a car but still need coverage when driving someone else’s vehicle. Look for insurance providers that offer non-owner policies and follow their online application process.
Purchasing non-owner car insurance entirely online can be challenging, as some insurers may require follow-up via phone or in-person to complete the process.
Recommended Steps:
Gather Information: Prepare your driving history, including any accidents or violations.
Compare Quotes: Obtain quotes from multiple insurers to find the best coverage and price.
Read Policy Carefully: Review the policy’s terms, conditions, and coverage limits to ensure it meets your needs.
Consider Additional Coverage: Explore options like medical payments coverage or uninsured/underinsured motorist coverage for enhanced protection.
Tips for Finding the Best Deal:
Shop Around: Compare quotes from various insurers to secure the most competitive rates.
Bundle Policies: If you have other insurance (home, renters), bundling them may offer potential discounts.
Check for Discounts: Ask about available discounts, such as those for good students, defensive driving courses, or low mileage.
By definition, no, you cannot utilize a non-owner auto policy for your vehicle. Refunds for non-owner policies are available upon cancellation; these reimbursements are typically short-rated and fall short of pro-rata. It’s easier to tell them straight out that you bought a car and already have insurance on it.