How can I build an insurance history if I don't own a car?

I waited a long time to get my license, I'm 27, and I'm still saving up for my first car. I have never been on an insurance policy, aside from the few times I rented a car. How can I build an insurance history and save for a car at the same time?

Answer provided by
Shannon Martin
Answered on May 06, 2021
Rental car insurance doesn’t get reported in any way unless there is an accident, so that will not have any impact on your insurance history. However, you do have a few other options.
If you tend to borrow a car from a friend or family member, see if they are comfortable adding you to their insurance policy. If so, once you are ready to purchase a new car, you can provide your new carrier with a copy of the declarations page showing that you were a listed driver on a prior policy. Most carriers will accept this.
If not, you can buy what is called non owners car insurance. A non owners policy is for people exactly like you—those who will rent or borrow cars from time to time but don’t have a vehicle of their own. This type of policy will create a reportable insurance history.
Once you get your new car, the non owners policy can be converted into a standard auto policy with full coverage. “

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