Can I Get Car Insurance Without a Car?
If you do not own a car, you may be wondering, “Can I get auto insurance?” The answer depends on the circumstances. If you do not regularly drive your car, or if you have a family member who owns a vehicle, you can qualify for non-owner auto insurance. Non-owner auto insurance only provides liability coverage for other drivers. It will not cover your injuries or those of other passengers, and it will not cover damage to your vehicle.
There are a number of ways to get car insurance without a vehicle. One way is to join an AARP auto insurance program. AARP offers discounts for those who have no car. If you are a member of the AARP, you can join this program and get car insurance without a license. You can also get insurance on classic cars, but you won’t be able to use it.
Another way to get car insurance is to borrow a vehicle from someone. If you are borrowing a car, you may have to be listed on the owner’s policy. This may make you responsible for expenses exceeding the policy limit. If you borrow a car from someone else, you will also need to pay their insurance if an accident occurs. You may also want to get your own car insurance if you share a home with a spouse.
Another option is to buy a non-owner insurance policy. These policies offer liability coverage to drivers without a car, but they do not cover collision or comprehensive. This type of insurance is necessary for drivers who rent cars and use car-sharing services frequently. In the event of an accident, non-owner auto insurance can protect you from losing thousands of dollars if you are sued. This coverage is more affordable than other types of car insurance, and it is worth a look if you don’t have a car or don’t have one.