Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Written by Jessica Sautter
Content Writer Jessica Sautter

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer Natasha McLachlan

UPDATED: Oct 1, 2020

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Car ownership is falling as more and more people are choosing to use either borrowed cars, rented cars or car sharing services for their transportation needs. Furthermore, this trend has had the strongest impact on millennials. This suggests that it will continue for the foreseeable future.

Because, there has been a fundamental change in how they use cars compared to their parents and grandparents. However, even if drivers don’t own the cars that they are driving, they still need car insurance. This is where non-owner car insurance can come in.

In short, car insurance with a car policy means it covers the driver when they are driving someone else’s car for much the same contingencies covered by other forms of car insurance.

Get Car Insurance without Own Car

Generally speaking, this means coverage for bodily injuries as well as coverage for property damage. Though, like other forms of insurance; it can come with extra coverage so long as the driver is willing to cover the costs.

However, it is important to note that there can be significant differences between non-owner car insurance and other forms of car insurance. A driver should exercise the appropriate care and caution when choosing a named operator policy.

Borrowing, Renting and Sharing a Car:

Under normal circumstances, drivers should choose such policies if they make frequent use of cars that they don’t own, whether that means they are borrowing them, renting them, or sharing them. In some cases, such policies are even necessary because state law mandates coverage for drivers who don’t own cars but have been convicted of a serious driving problem such as a DUI or a DWI.

Whatever their ultimate reason for getting such policies, drivers can use them to get the coverage that they need without having to pay for other forms of car insurance, which is unnecessarily comprehensive and thus unnecessarily expensive for them.

How Can I Get Car Insurance without a Car?

Family in the Car

If you want to get auto insurance without a car, you should know that you can get such policies in much the same manner as other insurance. In short, you approach an insurance company that offers such plans. See what they have to offer, and then pick a plan as well as optional riders that are best-suited to your needs.

Easy way to find a provider:

However, it is important to note that different insurance companies offer different policies. Not all insurance companies can meet your needs as well as their competitors.

As a result, if you want to get something that is exactly right for you rather than being forced to settle for whatever is closest, you need to shop around.

Unfortunately, shopping around can take a lot of time and effort, which is where Sure Buy Car insurance comes and play a vital role. To get multiple quotes for free, click here. We’ll figure out what you need and based on your responses to our questions we’ll find suitable policies from database of insurance companies. This is absolutely free to request quotes from us.

Next step…

Once you have your list of candidates, you can examine each of them to find the one that suits you best. This is much faster than having to compile your list of candidates before doing the same. Particularly if you don’t have exhaustive knowledge of the insurance companies out there.

Better still, we can even answer your questions about car insurance without a car, thus helping you achieve a better understanding of your coverage needs. This will make you better informed so that you are more capable of making the choice that is in your best interests.

Compare quotes from the top car insurance companies and save!

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Further Considerations

Even if you have found the coverage that you need, you should know that different insurance companies are coming up with different policies all the time. As a result, even if you have coverage for driving without your car, you should make sure to shop around through us from time to time for a better deal.

Although the potential savings from switching insurance companies might not seem particularly impressive, they can still add up to a sizable sum of money to sufficient passage of time. This can put much better uses than paying your insurance company for more coverage than what you need.