Reader question:

What is a non owners car insurance policy and where can I get one?

Mary

Excellent question, Mary.

Non owners auto insurance is an insurance policy which applies to someone who either does not own a car, or who does not use their car in a state where it is possible to go without insuring an out of use car while obeying the car insurance laws. The non owners insurance policy is a lot more restrictive than your typical insurance policy, so it requires much more care on behalf of the policy holder. The reason for this is because with a non owners auto insurance policy, you are only covered for liability, and you don’t have the option of getting additional coverage such as comprehensive or collision. The only way that you can get more than just liability coverage for this type of car insurance policy is if your state requires additional coverage like uninsured motorist coverage or personal injury protection. However, the available coverage is limited to the state minimum insurance requirements.

You can get non owners car insurance coverage at almost any car insurance companies. The best way to find out your rates for this is to get an instant online car insurance quote from one of the many websites that offer this service.

Cheers,

Fashun Guadarrama.