Ditching the Keys? Why Car-Less Doesn’t Mean Coverage-Less
Ditching the Keys? Why Car-Less Doesn’t Mean Coverage-Less
Buckle up for a surprising trend – car ownership in America is actually on the decline! Almost 10% of households are ditching their cars altogether. Rising costs, booming ride-sharing, and a focus on eco-friendly living are all contributing factors, especially in cities and for younger generations. But if you’re thinking about going car-free, does that mean you can ditch car insurance too? Not necessarily! Let’s explore why non-owner car insurance might be your perfect travel companion, even without a set of wheels.
Temporary Blip or Car-Free Commitment?
Planning a car hiatus for a few months? A non-owner auto policy might be your best bet. Insurance companies love seeing continuous coverage, and a gap can mean higher rates later on. Plus, non-owner insurance is a budget-friendly option compared to traditional coverage.
Borrowing a Buddy’s Ride? Buckle Up for Coverage
Even without owning a car, you might still find yourself behind the wheel – borrowing a friend or family member’s car for errands or road trips. In this case, having your own non-owner insurance is a wise move. Here’s why:
- Peace of Mind: Their insurance limits might not cover everything in case of an accident. Your own policy provides an extra layer of protection.
- Lawsuit Shield: Non-owner insurance can help shield you from any resulting lawsuits if an accident occurs while you’re borrowing a car.
Non-Owner Insurance: The Need-to-Know
Here’s a quick breakdown of non-owner car insurance:
- Purchased individually (doesn’t cover family members)
- Provides liability coverage (protects others and their property)
- Usually doesn’t include a deductible
- Significantly cheaper than traditional car insurance
Non-Owner Insurance: Your Key to Freedom (and Protection)
So, whether you’re a temporary car-free resident or a committed car-sharing enthusiast, non-owner car insurance can keep you financially protected while you explore the open road (or city streets!) without the burden of car ownership.
Ready to Compare Rates and Find the Perfect Coverage?
Our independent agents are here to steer you in the right direction. We work with a variety of insurance companies to find the coverage you need at a price you can afford. Don’t wait – contact us today and get a free quote on non-owner car insurance. Because even without a car, having the right coverage can be a smooth ride!
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Road Trip Through History: The Unexpected Story of the Interstate Highway System
From nuclear war to family road trips, the Interstate Highway System’s history is more surprising than you think
Independent Spirit, Independent Insurance: Why Your Business Needs an Independent Agent
Ditch the Captive Agent! Why Independent Insurance Agents are Your Business’s Best Superhero
Beyond the Funeral: 9 Reasons Why You Need More Life Insurance Than You Think
Life Insurance: Not Just for Buryin’! Unexpected Costs You Never Knew Were Covered
New Car, New Coverage? Navigating the Wild World of Auto Insurance
New Car? Don’t Get Stuck on the Side of the Road with Bad Insurance!
Renters Insurance: Your Secret Weapon Against Disaster (and Burglars!)
Beyond Broken Leases: Why Renters Insurance is Your Best Friend (and How to Get a Great Deal)
Flappers, Flights & Fizzy Fridays: The Roaring Twenties You Never Knew
Dive into the 1920s beyond the speakeasies! Explore the decade’s social shifts, technological marvels, and surprising connections to modern times.
Bundle Up and Save! The Ins and Outs of Business Insurance
Unsure about business insurance? Don’t be! Learn how bundling different coverages protects your company and puts money back in your pocket.
Life Insurance Myths Busted: Unveiling the Simple Truths Behind Financial Security
Considering life insurance but confused by the myths? We clear the air on common misconceptions and show you how to get simple, affordable coverage.
Buckle Up for Savings: How Car Safety Ratings Save You Money
Crash Test Your Cash Flow: How Car Safety Ratings Impact Insurance Rates
Pool Paradise or Premium Pain? The Splashing Truth About Pool Insurance
Dive into Savings: How Pools Affect Homeowners Insurance (and How to Stay Afloat)