How to buy non-owner's car insurance

Written by ehow contributor
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The non-owner's car insurance policy essentially covers any damages you may cause to someone's property (or body) while driving a car you do not own. This includes rented as well as borrowed cars. A kind of liability coverage, non-owner's insurance can help you sort out several insurance complications. If you are self-employed, then you most likely will have a commercial liability policy. All you need to do is add on a non-owner's policy and you're all set.

Skill level:


  1. 1

    Call several insurance companies and ask about obtaining a non-owner's policy. Every state and insurance company invariably offers such a policy so you may not need to look specifically for companies that do.

  2. 2

    Ask for information about the "Assigned Risk Program/Plan" offered to the insurance company by your state. The company should offer you a policy in accordance with the risk program. Receiving a cold response for such information from an agent is rare. However, if you do, you can file a complaint with the state board of insurance. Remember, you are entitled to receive such coverage. So do not hesitate.

  3. 3

    Compare quotes, terms and conditions of all companies that you have contacted.

  4. 4

    Shop for the most cost-effective coverage. Because you do not own the car, the only type of insurance you are eligible for is "Liability."

Tips and warnings

  • Remember, as someone who does not own a car, you should try to get the cheapest quote on "Liability." Research the Internet for different ways to get coverage. Credit card companies also offer non-owner's auto insurance policies. These may work out to be better in some cases.
  • You cannot get collision coverage with non-owner's car insurance

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