There are people who can’t afford or just don’t want to own a car for various reasons. With the current status of the economy, maintaining and running a car can be very expensive starting with high prices of gas, high insurance premiums and the cost of the car itself. Some people who live in high traffic areas also choose to avoid all the hassles of owning a car. These people however, need to use a car once in a while, so they either borrow or rent. To ensure that they are adequately covered when they are on the road, they need to take up non owner auto insurance. This type of auto coverage is the only thing that ensures that if they get into accidents they will not be left with high financial liabilities and costs that they can’t even manage.

Non owner car insurance will ensure that any damage caused on another motorist’s car or body is covered by the insurance company. This insurance coverage is taken under the owner’s name and it also covers medical expenses if the owner is harmed during the accident. The non owner car insurance also covers personal injury protection, under insured or uninsured motorist protection. Most rental companies require proof that the motorist is adequately covered. Lack of cover will end up being too expensive for the motorists since they might have to take up insurance cover over the counter from the rental company. There are risks however, that are not covered under the non owner auto insurance. They include towing reimbursement, rental reimbursment and collision or comprehensive damage. It is important to get the entire information on non owner insurance before you make a decision.

Non owner insurance is cheaper than the normal car insurance and it is also cheaper for people who borrow or rent a car on several occasions per year. This cannot possibly compare to buying insurance over the counter every time you rent a car. Getting non owner auto insurance is not hard since most insurance companies offer this coverage. Just like the other insurance liabilities, you can shop online for non owner insurance quotes. This will save you the time and the effort that is taken calling different insurance companies to get information on this coverage type.

To get cheap non owner auto insurance it is important to shop around and compare what different insurance companies have to offer. Different insurance companies provide different prices for their insurance premiums and therefore it helps to get different non owner insurance quotes for comparison. The range can be very significant and it can go up to forty or thirty dollars a month. Don’t be so quick to get the first quote that you get as it might end up being expensive, whereas a bit of patience will end up saving you enough money on your non owner insurance.

If you find yourself renting or borrowing a car occasionally, non owner car insurance is important. Protect yourself and the people around by getting non owner coverage.