How to Get Car Insurance for the First Time Without a Car - Drivers who have a valid Driving License are entitled to non-owner car insurance as long as they do not have access to a vehicle at home will get a car insurance offer without a car, contact your local agent or contact the insurance company. Even if you don't own a car, you can still drive it and have insurance.
What is car insurance without owning a car?
Non-owner car insurance or non-driver insurance provides liability coverage for drivers who do not own a car. This is liability coverage that pays for bodily injury and property damage if you cause an accident while driving a car that is not yours.
In addition to liability coverage, non-owner car insurance may include:
- Coverage of car rental obligations
- Medical payment
- Personal injury protection
- Liability of uninsured or uninsured motorists
In many situations, the owner's car insurance will be used first, but if that fails, a non-owner's policy will step in to cover damage above the owner's liability limit. For example, say you have a non-owner policy with a property damage liability of $40,000 and borrow a car.
If you get into an accident and cause $40,000 in damage, the car policyholder will not add an additional $20,000. Your non-owner policies will come into play for amounts above the policyholder limit.
It's important to note that non-owner coverage doesn't pay for damage to the car you're driving or personal injury.
You should consider non-owner insurance if you rent a vehicle frequently or borrow cars on a regular basis. It is also worth considering if you want to maintain continuous coverage for as long as you can and may not.
This type of insurance is also used by high-risk drivers who need an SR-22 or FR-44 to keep their driver's license.
Here's how to get car insurance for the first-time without a car
- To get insurance without owning a car, you need a valid driver's license and payment number.
- You will most likely have to contact the insurance company for the most part as most do not offer quotes for insurance online.
- You should contact several companies for quotes and comparisons Once you have decided on a carrier and purchased a insurance .
- You can have the provider email you with proof of insurance if you really need it.
- If you need an SR-22, make sure you tell the insurance company your state's notification number and provide a basic driving history. Insurance companies can file forms on your behalf.
Service to get insurance for the first time without owning a car
Most major insurance companies offer auto insurance quotes without a car, while others may refer to non-standard companies such as The General and Direct Insurance.
Some of the companies you can contact include GEICO, State Farm, Farmers, Dairyland, Allstate, and Nationwide.
Many insurance companies do not advertise that they offer non-owner auto insurance, and some will only offer it to their existing customers.
For example, Progressive doesn't sell non-owner insurance as a new policy, but if you have coverage and sell your vehicle, you can opt for their non-owner support to maintain ongoing coverage until you get another car.
With some research, you can easily get a car insurance quote without a car.
Use the insurance company's website to find out what they offer or call their customer service number.