Car Insurance Quotes Without License - Even if you don't own a car, you can still drive one, and if you drive, you should have car insurance. Drivers with a valid license are eligible for non-owner car insurance until they have access to their home car. Getting auto insurance quotes without a car is as easy as contacting your local agent or calling your insurance company.
Non-owner auto insurance, or non-driver coverage, provides liability coverage for drivers who don't own the car, according to Forbes. This is liability insurance that pays for bodily injury and property damage if you cause an accident while driving a car you don't own.
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In most cases, the car's owner's insurance will be used first, but if that doesn't work, the non-owner's policy will step in to cover damages that exceed the owner's liability limit. For example, let's say you have a non-owner policy with $40,000 in property damage and you borrowed the car. The car owner's policy has property damage liability of $20,000. If you're in an accident and cause $40,000 in damage, your car owner's policy won't cover the additional $20,000. Your non-owner policy will cover you if the amount exceeds the owner policy limit.
How To Get Car Insurance Quotes Without A Car
It is important to note that non-owners insurance does not cover damage to the vehicle you were driving or your injuries.
If you frequently rent vehicles or regularly borrow a friend's car, you should consider non-owner's insurance. It's also worth considering whether you want to maintain continuous coverage if you might be traveling and don't have a car. This type of insurance is also used by high-risk drivers who need an SR-22 or FR-44 to maintain their license.
Non-owner car insurance is cheaper than comprehensive car insurance because the policy does not cover repairs or replacement of the car. It's also cheaper because insurers see a non-owner as less of a risk because they don't drive as much and are less likely to make a claim.
The cost of non-owners insurance varies greatly by state. Some of the most expensive states to purchase this type of insurance include:
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Non-owner coverage excludes comprehensive coverage and additional insurances such as comprehensive insurance, collision indemnity, rental indemnity and towing indemnity.
Some non-owner policies cover rental vehicles while you drive them, but not every insurance company provides this type of coverage. Before purchasing non-owner's insurance and intending to use it when renting a car, check with your insurance company to make sure it covers you at the time of the rental. It's also important to note that rental companies are generally required by law to have the government's minimum liability insurance for their rental fleet, so even if you don't have your own insurance, you still have some protection.
Getting non-owner insurance is easy. All you need is a valid driver's license number and payment. You will most likely have to call the insurance companies as most do not offer online quotes for this insurance. As with comprehensive coverage, you should call several companies to get quotes and compare them. Once you've decided on a carrier and purchased a policy, you can request that the carrier send you an email. insurance confirmation letter if you need it immediately.
If you need an SR-22, be sure to tell the insurer your state report number and basic driving history. The insurance company can fill out the form on your behalf.
Understanding Car Insurance Quotes
Most major insurance companies offer car insurance quotes without a car, while others may refer you to standard companies such as The General and Direct Insurance. Some of the companies you can contact are GEICO, State Farm, Farmers, Dairyland, Allstate, and Nationwide.
Many insurance companies do not advertise that they offer non-owner car insurance, and some only offer it to their existing customers. For example, Progressive doesn't sell non-owner coverage as a new policy, but if you have coverage and sell your car, you can choose a non-owner endorsement to keep your coverage permanent until you get another car.
You can easily get car insurance quotes without a car by doing some research. Use insurance company websites to find out what coverage they offer or call customer service.
Produced by the independent Car and Driver Editorial, Hearst Autos Research features articles on cars and the auto industry to help readers make buying decisions.
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Tanvin Vohra is an editorial director specializing in property and casualty insurance. Through his work, Tanvin helps consumers better understand the components of insurance policies so they can make smarter purchasing decisions. Tanvin's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch.
John Leach is an insurance content editor who has worked in print and online. He has years of experience in auto and home insurance and strives to make these topics easy for everyone to understand. He holds a degree in Linguistics from the University of California, Santa Barbara.
As a licensed insurance agent with more than 20 years of experience, Sean Powers is the Vice President of Sales and Operations at . Through his experience, Sean is committed to helping clients make informed and informed decisions about insurance policies. Shawn previously spent 15 years at Answer Financial (an Allstate company) as Vice President of Sales and Operations.
Car insurance rates vary widely, so it's important to compare prices before purchasing a policy. Your rate is determined by several factors, such as your age, location, driving experience, education level and the type of car you drive. Each insurance company weighs them individually, so the price of the same insurance policy can vary depending on where you get the quote from.
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To help you better understand how car insurance rates work and how to compare them to find the best policy, we've created a comprehensive guide with average rates from every major car insurance company for every state and for different driver groups.
Insurance rates vary greatly by age, with younger drivers paying more than older drivers with more experience on the road. Teen drivers have the most expensive insurance premiums of any age group in every state, and drivers under the age of 25 are generally classified as high-risk drivers. Fortunately, some insurance companies are cheaper for young drivers than others.
Auto insurance experts share a wealth of knowledge for drivers of all ages. Check out our guides to car insurance tips, quotes and discounts:
The state you live and drive in has a big impact on your car insurance rate. That's because variables like legislation, population density, crime rates, and weather conditions affect your likelihood of filing a lawsuit.
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Your driving history, which includes any previous accidents, speeding tickets and traffic tickets, gives insurers information about your risk and how likely you are to make a claim.
Generally, people with imperfect driving records are considered risky and charge high car insurance rates. However, some companies specialize in insuring high-risk drivers and are likely to offer them affordable rates.
Regardless of your driving history, we have resources for drivers with all types of driving experience. Check the following:
Drivers who have been caught driving under the influence of alcohol typically pay 30 percent more for their car insurance than drivers with a clean record.
Car Insurance For Previously Disqualified Drivers
Those with a DUI may also have a hard time finding an insurance company willing to file an SR-22 on their behalf. Check out some of the cheapest SR-22 insurance quotes below:
An accident that is your fault can increase your car insurance rates by 20%. However, some companies offer accident waiver programs for drivers with a clean record, ensuring that your rates will stay the same even after an accident.
Historically, drivers with lower credit scores are more likely to file claims, putting insurance companies at greater risk.
That's why in many states, insurers consider your credit history. Five states -- California, Hawaii, Massachusetts, Michigan and Washington -- have banned insurers from using your credit to determine rates.
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Regardless of your credit score, you can always take action
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