Comments on: How do you get car insurance if you don’t own a car?

By: erniesnuggle

erniesnuggle — Tue, 30 Mar 2010 14:48:42 +0000

Call insurance companies (or a local agent, who can access numerous companies at once) and let them know what your situation is. Some companies offer what is called a “named operator” policy. You pay only to insure yourself.
Keep in mind a couple of things: 1) These policies typically have an exclusion stating that you are only covered driving a car that you don’t own. So if you ever buy a car, drop the named operator policy and insure your car right away. 2) In most states, insurance follows the vehicle. So, if you are borrowing someone’s car and they have it insured, their insurance is going to be primary coverage and your policy will be secondary to theirs. 3) Named operator policies are liability only – they only cover damage that you cause. The car you are driving will not be covered for it’s damage.
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Named operator policies are a very good way to protect yourself if you drive a lot of different cars and want to ensure that, no matter what car you drive, you will be covered. They are also typically pretty inexpensive, since they rarely have to be used – before a claim is paid under a named operator policy, primary insurance on the vehicle has to be ruled out, and most cars have insurance on them.
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Also keep in mind that these policies sometimes have odd restrictions or endorsements, make sure that you truly understand when your policy will apply.

By: Fred C

Fred C — Mon, 29 Mar 2010 04:14:05 +0000

You can’t get car insurance without a car, unless you have need of a “non-owned automobile” insurance certificate.

By: oklatom

oklatom — Sun, 28 Mar 2010 09:17:35 +0000

When people don’t have a car, they don’t get car insurance. Can you see the conversation between the person and the agent?
“I need to get car insurance.”
“Fine, what coverage would you like?”
“Well, just the minimum I guess, plus can I get glass coverage too?”
“I’m sure we can do that. What kind of a car do you own?”
“Oh, I don’t have a car, I just want insurance.”
“Oh, you’re going to buy a car and want rates?”
“No, I just want insurance on the car I don’t have,”
“Well, I’d have to see the car you don’t have first, to check the tires….”
“Why?”
“Because we can’t insure imaginary cars with bald tires you know.”

By: barrbou214

barrbou214 — Fri, 26 Mar 2010 15:49:40 +0000

in North Carolina you have to prove that you are insurable before you are issued a license. if you live in this state, go to a trusted insurance agent.

By: CarMan

CarMan — Thu, 25 Mar 2010 02:56:18 +0000

Insurance companies insure vehicles, not drivers — although drivers affect the cost. The owner of a vehicle gets insurance on his vehicle. If you are not the owner but a regular driver of a vehicle, the owner must declare you as a driver.

By: lollipop

lollipop — Mon, 22 Mar 2010 15:17:54 +0000

If you don’t own a car, the insurance companies can’t issue a policy. Are you looking to be insured while you are driving someone else car? Talk with your parents, maybe you already have this coverage, or can get it through their policy.

By: Leela T

Leela T — Sat, 20 Mar 2010 21:13:50 +0000

I think you should elaborate on this question a bit more…do you want to purchase auto insurance b.c you drive other people’s cars a lot or b.c you rent cars frequently? For example, my auto ins. covers anyone who has permission to drive my car (full coverage). Now, if you rent a car they always give you the option to get ins. for the rental as well. Otherwise, if you don’t own a vehicle, i doubt you can purchase auto ins. It’s a major risk factor for the insurance company. Hope this helped.

By: lightbulblady1

lightbulblady1 — Wed, 17 Mar 2010 10:59:19 +0000

I had to get what they called a non-owners policy one time. Just go to your local auto insurance agency and ask about one.

By: missy

missy — Sun, 14 Mar 2010 12:28:56 +0000

My friend has me listed on her insurance even though I don’t own the car. I am listed as a secondary driver.

By: jenks1545

jenks1545 — Thu, 11 Mar 2010 15:37:05 +0000

why get car insurance if you dont own a car? thats a waste of money