{"id":3817,"date":"2020-03-03T11:06:01","date_gmt":"2020-03-03T19:06:01","guid":{"rendered":"https:\/\/vernfonk.confiedevstg.com\/blog\/?p=3817"},"modified":"2020-03-30T14:08:57","modified_gmt":"2020-03-30T21:08:57","slug":"non-owner-car-insurance","status":"publish","type":"post","link":"https:\/\/vernfonk.confiedevstg.com\/blog\/car-insurance\/non-owner-car-insurance\/","title":{"rendered":"Non-Owner Car Insurance: What You Need to Know"},"content":{"rendered":"\n<p>You know that you need auto insurance if you own a car, but what if you have your license and don\u2019t own a vehicle? Do you need car insurance to drive? What if you borrow a friend\u2019s car and get in an accident? Are you insured under their policy?&nbsp;<\/p>\n\n\n\n<p>Do not leave yourself stressed out facing these unanswered questions. If you don\u2019t own a car but want to be sure you are protected when you drive, you may want to consider non-owner insurance.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Non-Owners Car Insurance?&nbsp;<\/h2>\n\n\n\n<p>Non-owner car insurance is a type of insurance coverage that provides liability protection for drivers who do not own a vehicle. Liability coverage would help to pay for property damage or bodily injury inflicted on another party as a result of an accident that you cause.&nbsp;<\/p>\n\n\n\n<p>The benefit of a non-owners policy is that it is more affordable than a standard policy since there is no vehicle to insure. It is also likely that the insured will be driving less frequently since they do not own a car.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who Should Invest in Non-Owners Car Insurance?<\/h2>\n\n\n\n<p>Non-owners car insurance would be a good fit for you if any of the following situations apply:<\/p>\n\n\n\n<ul><li><strong>You use car-sharing services or rent cars regularly.&nbsp;<\/strong><\/li><\/ul> \n<p>If you rent cars frequently or use services like ZipCar, you may be shelling out a lot of money for insurance coverage at the rental counter. It could be more cost-effective to invest in non-owner insurance, so you have universal protection.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>You need to file an SR-22.&nbsp;<\/strong><\/li><\/ul>\n\n\n\n<p>If you have lost your license due to a DUI or another serious traffic violation, you may be required to file an SR-22 with your state. An SR-22 is a form that certifies you have the minimum liability insurance coverage required by state law. If you do not own a vehicle but want to reinstate your license, the only way to get liability coverage would be with a non-owner SR-22 insurance policy.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>You are a new driver, and no one in your home owns a vehicle.&nbsp;<\/strong><\/li><\/ul>\n\n\n\n<p>Young drivers insurance can be expensive because inexperienced drivers are a high-risk to insurance companies. If you or your child recently got a license and you are seeking the cheapest coverage for young drivers, then a non-owners policy may be an option if no one in your household owns a vehicle.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>If you want to avoid a lapse in coverage<\/strong>.<\/li><\/ul>\n\n\n\n<p> Insurance premiums typically increase when a driver reinstates a policy following a gap in coverage. If you are planning to sell your vehicle, but want to avoid paying higher premiums in the future, then a non-owners policy could be an excellent option to prevent a lapse.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Isn\u2019t Covered Under Non-Owner Insurance?<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Any protection for the vehicle you are driving<\/strong>. <\/li><\/ul>\n\n\n\n<p>While you will have liability protection with non-owners insurance, you will not have comprehensive or collision coverage to help pay for any damages you cause to the vehicle you are driving.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>If you drive a car owned by someone in your household<\/strong>.<\/li><\/ul>\n\n\n\n<p> If you regularly borrow a vehicle of a family member or friend that you live with, then your best bet is to be added as a driver on their existing auto insurance policy.&nbsp;<\/p>\n\n\n\n<p><strong>How Do You Get Non-Owner Insurance?<\/strong><\/p>\n\n\n\n<p>It is important to note as you begin your search for non-owner insurance that not every company offers a non-owners policy. You also might not be able to get a quote for a non-owners policy online, so your best bet would be to call a company to learn more about your options.&nbsp;&nbsp;<\/p>\n\n\n\n<p>When you call for a quote you should have the following items on-hand:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Driver\u2019s license number<\/li><li>Credit or debit card<\/li><li>A record of your driving history&nbsp;<\/li><\/ul>\n\n\n\n<p>Non-owners policies are relatively easy to obtain once you find a reputable company that offers this type of policy.&nbsp;<\/p>\n\n\n\n<p>Vern Fonk can help you find car insurance in Washington, Oregon, and Idaho at a great price, even if you have a less than perfect driving record. Get a free car insurance quote online, over the phone, or at one of our offices near you.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/vernfonk.confiedevstg.com\/auto-insurance\/\"><img decoding=\"async\" width=\"200\" height=\"51\" src=\"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/03\/red-button-Getaquote.png\" alt=\"get a quote button\" class=\"wp-image-3837\" \/><\/a><\/figure><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"tel:1-800-455-8276\"><img decoding=\"async\" width=\"200\" height=\"51\" src=\"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/03\/red-button-callus.png\" alt=\"call us button\" class=\"wp-image-3835\" \/><\/a><\/figure><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/vernfonk.confiedevstg.com\/locations\/\"><img decoding=\"async\" width=\"220\" height=\"51\" src=\"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/03\/red-button-findyouroffice.png\" alt=\"find your office button\" class=\"wp-image-3838\" \/><\/a><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"<p>You know that you need auto insurance if you own a car, but what if you have your license and don\u2019t own a vehicle? Do you need car insurance to drive? What if you borrow a friend\u2019s car and get in an accident? Are you insured under their policy?&nbsp; Do not leave yourself stressed out [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":3840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-3817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/3817","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/comments?post=3817"}],"version-history":[{"count":5,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/3817\/revisions"}],"predecessor-version":[{"id":3845,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/3817\/revisions\/3845"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/media\/3840"}],"wp:attachment":[{"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/media?parent=3817"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/categories?post=3817"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vernfonk.confiedevstg.com\/blog\/wp-json\/wp\/v2\/tags?post=3817"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}