How can I get insurance with no car?

I don't own a car, but I want to get insurance. Is there a way to insure myself? I'm tired of paying for insurance with rental car companies. I'm also concerned about getting into an accident with someone else's car. What can I do?

Answer
Many people don’t think about car insurance when renting or borrowing a car, so kudos to you. Wanting to get insurance to protect yourself and the vehicles you drive is a responsible move.
Thankfully, you have options for getting insurance without owning a car.
The first option is to get non-owners car insurance. A non-owners policy covers those who don’t own a car but borrow or rent them frequently. This type of policy provides liability coverage when driving someone else’s car.
Another option you may already have is coverage through whoever’s car you’re borrowing. If the car you borrow has insurance, the owner has a policy that most likely covers permissive use. Permissive use means insurance coverage will extend to you when driving the vehicle on occasion. However, this does not apply to rental cars.
For rental cars, you could look into your credit cards as many offer rental car benefits. If you pay for a rental car with your credit card and decline the collision damage waiver, your credit card company will typically cover damage and theft to the vehicle.
If you’re considering a non-owners policy, reach out to several insurance companies. Most major companies, like Progressive and GEICO, offer non-owners policies, so you may be able to find an inexpensive rate.
You can also use Jerry. Call or text Jerry’s friendly agents or use the Jerry app to find a non-owners policy that best suits your needs.
Emily Maracle
Answered on Oct 25, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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