How can I get a quote on nonowners car insurance?

You can get car insurance quotes for a nonowners policy, but not online. Call an independent insurance agent directly to ask for quotes on nonowners policies.

Premiums vary by location and liability limits, and they are usually half that of what owners pay for standard car insurance policies, although you might not be eligible for discounts you would get with a standard policy. You usually pay no deductible under a nonowners policy, unless your state requires uninsured/underinsured coverage, which pays your medical bills if an un- or underinsured driver hits your car or you're a victim of a hit-and-run. Nonowners policies provide mostly liability protection and usually don't include optional coverage, such as comprehensive, collision and towing and rental reimbursement.

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If you buy a nonowners policy for your son, coverage will kick in if he is involved in an accident when driving a rental car or if he borrows and gets in an accident in a friend's car and the friend's liability coverage is not enough to cover all the damages.

It sounds like you've already determined that your son needs a nonowners policy. This type of policy is a good idea for anyone who drives frequently but doesn't own a car. A Manhattan resident, for instance, might not want to own a car in the city, but rent cars frequently on business trips or for special excursions. Although rental car agencies offer insurance, it's probably more cost effective to buy a nonowners policy for someone who rents often.

A nonowner's policy is also a good idea if you borrow cars from friends or relatives. Perhaps this is the case with your son. Standard car insurance provides liability coverage for people using a car with the owner's permission. But what if the friend's liability coverage is low? If your son caused an accident while borrowing someone's car and the damage costs exceeded the liability limit on his buddy's insurance policy, the other driver could go after your son's personal assets in a lawsuit to pay for the uncovered costs. Read more about nonowners car insurance.