Many people who do not own a car or share an automobile with a friend may need a non-owners insurance policy. If you drive a car and it is not your vehicle, you need to protect yourself from any liability damages that could occur if you are involved in an accident.
A nonowner auto insurance policy will protect you in most accidents and is more affordable than you might think. In fact, in many cases, a non owner auto insurance policy can save you money over a traditional auto insurance policy. Without this type of coverage, if you cause an accident, you could be sued and held liable for expensive property and personal damages.
Who Needs Non-Owner Auto Insurance?
Let’s say you have recently sold your vehicle, are in the market for a new one, and will be borrowing a friend’s car for two or three months. In this case, it would make sense to purchase non-owners coverage to protect yourself and protect the owner of the vehicle you are driving.
Also, if you frequently rent cars and your credit card does not offer rental insurance, you may consider insuring yourself with non-owners coverage. Let’s say you are going on a long vacation for 3 or 4 weeks and plan on renting a car; then, you might be able to add non-owners onto your insurance and save $200 to $300 over what the car rental company would charge you.
Some business owners, such as construction contractors, also rent trucks frequently, such as a U-Haul or Home Depot trucks. With non-owners auto insurance, they are fully protected with any vehicle they rent in the event they get into an accident.
Non-Owner SR22 Insurance
Since you do not own a vehicle but still need a valid proof of insurance to drive legally, you will be insured with what’s called non-owners SR-22 insurance. The state that issues your non-owner car insurance policy will certify your coverage with an SR-22. This SR-22 certificate demonstrates that you have the proper state-regulated liability insurance that meets or exceeds the state’s minimums.
Once you purchase this type of coverage, your insurance carrier will submit the policy info to the state’s insurance department. Make sure that you always keep your insurance I.D available at all times in case you are pulled over by the police or in an accident.
In some cases, you may be forced to buy non-owner insurance if you have had a bad driving record.
It does not pay to drive recklessly. This could include past DUIs or reckless driving cases which caused your license to be revoked. A judge might invoke conditions as part of your driver’s license being reinstated. This could mean buying a comprehensive insurance policy that includes non-owners SR 22 insurance coverage. Judges do this to insure the safety of the public from those deemed to be the riskiest drivers.
Non-Owners Car Insurance in Nevada
Many motorists in Nevada don’t own their vehicles yet still need to carry legal auto insurance. Agents often refer to this type of coverage as getting non-owner insurance coverage. Nevada drivers that have had a DUI or other driving offenses may be ordered to get Nevada SR-22 Insurance. You can search for non-owner SR-22 Insurance coverage in Nevada in minutes. To start, just enter your zip code.
Severe traffic violations like racing, driving under the influence, or going more than 90 MPH can get your license suspended. A judge will then order the driver to carry SR-22 Insurance at all times for up to a determined period, usually about three years. If the Nevada driver does not own the vehicle, they still need to get covered with non-owner auto insurance with SR-22 coverage.
If you do not pay for your policy and it lapses, your SR-22 insurance might be invalidated. This is why it’s always essential to make monthly installments and not lose coverage, especially for non-owner drivers who also need SR-22 insurance.
Companies that offer Nonowner Insurance
In recent years, many large insurance companies have discontinued these policies. For the most part, this is because they’re not as profitable as standard automobile policies and are expensive to maintain. However, some quality insurers still provide non-owner vehicle coverage.
Progressive insurance is an online insurer that has great low rates on this type of insurance. They offer free quotes and a 24-hour helpline with friendly representatives to help you with any questions you may have. A non-owner policy from Progressive should only cost you around $250 annually, which is a great deal. Other insurers that offer cheap non-owner car insurance include Geico, State Farm, Good to Go Insurance, and Esurance.
With Citizens Insurance, you can compare non-owners insurance quotes in all 50 states.
Many discounts, such as good drivers, military, and teachers, are also available, so get a no-obligation quote today. Geico insurance offers low online rates for non-owner insurance, although higher than Progressive. Geico insurance provides auto insurance in all 50 states and has some of the best customer services of any insurer. You can get Geico quotes fast and free, and available several discounts.
Compare Non-Owner Car Insurance Online
The cheapest way to get low-cost non-owner car insurance is direct and online. There are deals on the web that can save you hundreds of dollars, saving you a lot of time. In a matter of minutes, you can compare the lowest non-owner car insurance from both national and regional insurance carriers.
You can use your smartphone to compare non-owner quote pricing and even buy your policy. Many insurers have also created smart apps that allow you to go paperless. Going paperless lets, you show proof of non-owners auto insurance on your phone, make payments, and even changes to your policy. Get started comparing quotes by entering your zip code and filling out a short online application.
Get Started Comparing Non-owners Auto Insurance Quotes
Compare quotes with Citizens Insurance and find the lowest rates from multiple insurance companies. The quote is totally free, and you can start comparing rates within five minutes. Get started now and save hundreds on the coverage you need.