Q: Should I keep my non-owner policy for times when I rent a vehicle?
Apr 26, 2021

I have a non-owner policy that is going to expire soon. I rent a car maybe three times a year. Is it worth it to keep the policy or cheaper to pay for the rental insurance?

Answer provided by
Shannon Martin
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.

“If you rent a vehicle occasionally and for only short periods of time, it may not make sense to maintain a non-owner car insurance policy.

But if your situation will require renting a vehicle or using a non-owned vehicle more frequently or for more extended periods, the benefit of having consistent coverage might outweigh the cost, especially if you own a home or have other significant assets to protect.

In addition to added liability protection, this type of policy would generally provide medical payments coverage for yourself in the event of an accident.

If cost is your primary concern, you can get multiple car insurance quotes online.

If you want to save money on car insurance, the free Jerry app is an excellent place to start. Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance.”

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This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!