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How can I get auto insurance without a car?

You can buy something called a non-owners car insurance policy. As its name implies, this is designed for people who don't own cars. However, you can't get quotes for this type of insurance online. You'll need to work directly with an insurance agent.

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Non-owners car insurance is a good idea if you frequently rent vehicles or borrow cars from friends and relatives. When you borrow a vehicle from a friend, their insurance policy would cover the car. However, your assets are still at risk in that situation. Why? If your friend's liability limits were low and you caused a bad accident with expensive damage and injuries, then other injured parties could come after your personal assets, such as your home, to recover expenses that went beyond your friend's liability limits.

If you frequently do business with rental car companies, you can buy insurance each time you rent a vehicle, but it might be more cost-effective to buy your own non-owners policy.

The purpose of a non-owners policy is liability protection. Comprehensive, collision, towing reimbursement, rental reimbursement and other optional types of coverage are not usually available for these types of policies. Generally there are no deductibles, unless your state requires uninsured/underinsured property-damage coverage.

The good news is car insurance rates for these policies are about half of what they are for standard car insurance policies.

For more, see car insurance for drivers who don't own vehicles.

Last updated: Feb. 28, 2011
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