Many people who only drive occasionally put off buying a vehicle to save money. Owning a vehicle can be very expensive so sometimes, it just makes more sense to borrow a friend's car to run to the store or some other errand. Since you don't own a car you wouldn't need to buy auto insurance but you could benefit from a non owner car insurance policy.
Everyone is required to have insurance before getting behind the steering wheel but you can't buy regular auto insurance unless you own a car or the owner of a vehicle puts you on their policy regarding locksmith. This type of insurance makes it possible for you to drive someone else's vehicle legally.
Non owner car insurance is very similar to regular car insurance except it covers you the driver, not a particular vehicle and it usually offers the following coverage:
- medical coverage
- uninsured/underinsured motorist
- personal injury
Comprehensive/collision, towing and rental reimbursement are not offered with this insurance since you do not actually own a vehicle. Just like regular insurance, the cost of the coverage will depend on several different factors such as:
- Your age
- Where you live
- Your driving record
- How often you normally drive
Non owner car insurance is only for the occasional driver with no vehicle in the home. If you're married or drive your parent's car or someone else's in the family, you would want to get the family plan. This type of insurance is more for someone who lives in the city and takes the bus to and from work most of the time or someone who lives alone and borrows the neighbor's car occasionally.
You can buy this type of coverage from most any auto insurance company and it's offered by rental agencies. However, if you drive more than just two or three times a year, it would be more affordable to get your own policy instead of the temporary insurance offered by these agencies because it would cost a lot less and may even provide more coverage.
You can also get a good roadside assistance plan to go along with your non owner car insurance. This way, you'll be prepared for any emergency not just in case of an accident. You can choose whichever plan suits you the best but some of your options are towing, fuel delivery, lockout service, flat tire and jumpstart service.
When you choose the individual plan, you can call for assistance no matter whose car you're driving. if you have a flat tire, you can take care of it without calling the owner for help. If you accidentally lock the keys in the car, you can simply have a locksmith come out and get them out for you.