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?

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Eric Schad
Answered on Apr 13, 2021
“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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