How to Buy Non-Owner's Car Insurance
Written by lifang
January 09, 2008 14:52
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. Step One
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 Step Two
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 Step Three
Compare quotes, terms and conditions of all companies that you have contacted. 4 Step Four
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."
