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

Is there a way to build up my insurance history without owning a car first? 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.

Answer
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 car, you can provide your insurance company with a copy of the declarations page showing that you were a listed driver on a prior policy.
Most providers will accept this. Otherwise, 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 definitely create a reportable insurance history.
Once you get your car, if you have a non-owners policy, it can be converted into a standard auto policy with full coverage.
Rental car insurance, on the other hand, doesn’t get reported in any way unless there is an accident. So don’t worry about that as much. It is unlikely to have any impact on your insurance history.
The Jerry app is a great way to start shopping around for car insurance. Jerry will do all the legwork for you, gathering low-cost quotes from top insurance providers and delivering them directly to your phone for free.
Good luck saving up for your future car!
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Shannon Martin
Answered on Sep 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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