How to Buy Non-Owner Auto Liability Insurance
Non-owner auto liability insurance is meant for drivers who do not own a vehicle but still regularly drive other people's cars. These might be cars of friends family or they might be rental vehicles. Non-owner auto insurance is sometimes necessary if you are required by the department of motor vehicles to purchase SR-22 insurance. Non-owner auto insurance pays secondary to any other insurance on the vehicles. This helps protect you if the current coverage is too low. Non-owner auto insurance also fulfills your legal obligation to carry auto insurance if you are driving.
Other People Are Reading
Instructions
-
-
1
Personal information needed to obtain a non-owner auto liability quote includes your full name, birth date, Social Security number and driver's license number.
-
2
Decide what level of liability coverage you need. Liability coverage is listed as the limit, or the most an insurance company will pay, and you are responsible for the rest. Most states have a minimum level that is required, but you can choose higher levels to protect against being sued for accidents involving large medical bills or property damage.
-
-
3
Contact auto insurance agents or companies for quotes. You can contact companies individually or you can go online to request multiple quotes. The agents and websites will need to know your personal information and what levels of coverage you desire.
-
4
Compare quotes. Review the coverage and prices each company gave you, and make sure you are comparing the same levels of liability. Putting together a simple spreadsheet can help with the comparison.
-
5
Choose the quote that best serves your needs. Some people choose simply based on price, but other factors to consider are the level of service you received when getting the quote and the financial rating of the company.
-
6
Contact the company you have chosen and tell it the date you would like your new coverage to start. You generally can begin coverage by making the company's minimum down payment. Request a certificate of insurance, insurance ID cards, or something in writing that shows you have coverage, as well as a receipt for your down payment.
-
1
References
- Photo Credit car image by maxuser from Fotolia.com
