Should I get non-owner car insurance?

I'm an 18-year-old that drives my parents' car frequently. However, my dad says that putting me on his insurance is more expensive than getting non-owner car insurance. Should I buy non-owner car insurance?

Answer
“Your father is slightly misinformed as to what non-owner car insurance covers. It isn’t a policy that replaces you being on your parents’ policy. It simply covers any excess cost that’s not covered by your parents’ insurance with you as the driver.
For example, if you get in an accident that causes $28,000 in damages and your parents’ policy with you only covers $25,000, a non-owner car insurance policy would cover the remaining $3,000.
In some cases, this may be a beneficial policy, but being added to your parents’ coverage is far more important.”
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Eric Schad
Answered on Apr 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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