As everyone knows, owning a car in California means that you need auto insurance. But what happens if you don’t own a vehicle? Can you get auto insurance without a car? Keep reading to discover the answer and learn more about auto insurance.
Can You Get Auto Insurance Without a Car?
The short answer to this question is yes, you can get auto insurance without a car. In fact, this is not as unusual as you may think.
Many people who don’t own cars have auto insurance policies. They typically opt for non-owner car insurance policies, which provide liability coverage in case of an accident while driving someone else’s vehicle. This type of insurance is particularly useful for those who frequently drive their friends’ or family members’ cars.
Non-owner car insurance typically covers bodily injury and property damage liability, which include medical expenses, property damage, and legal fees.
The liability coverage is usually similar to that of a regular car insurance policy, but the premiums are generally lower since there is no vehicle coverage involved.
It is important to note that non-owner car insurance does not cover any physical damage to the car itself, so if you cause an accident while driving someone else’s car, you would be responsible for paying for any damage.
When To Get Non-Owner Car Insurance
As we saw earlier, non-owner car insurance makes sense if you borrow someone else’s vehicle often.
Another reason why you might consider getting auto insurance without a car is if you frequently rent cars. Most rental car companies require that customers have auto insurance, and if you don’t have your own policy, you can purchase insurance directly from the rental car company. However, this can be expensive, and non-owner car insurance tends to be a more cost-effective solution. This can result in substantial savings, especially if you rent cars frequently.
If you are not sure whether you need auto insurance, it’s important to check the laws in your state. The majority of states require drivers to have some level of liability insurance, regardless of whether they own a car or not. t
Wrapping It Up
In conclusion, you can get auto insurance without a car, and non-owner car insurance is an excellent option for those who don’t own cars but still need liability coverage.
This type of insurance policy provides protection in case of an accident while driving someone else’s car or if you frequently rent cars.
It’s important to understand that non-owner car insurance does not cover any damage to the car itself, and you should always check the laws in your state to ensure that you have the required liability coverage.
If you need help deciding whether you need auto insurance, contact our agents. We stand ready to answer all your questions!
RF1 Insurance Services: Auto Insurance in Southern California
Looking for auto insurance you can rely on? At RF1 Insurance, we work with some of the world’s most trusted insurance companies, including Safeco, Guard, Stillwater, National General Premier, Aegis, and the California FAIR Plan.