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Was getting this non owners car insurance policy really a good idea?

I live in Seattle and rent cars frequently. Rather than getting the rental car coverage, I bought a non owners policy with Progressive. It meets all the state liability requirements, but now I have buyer's remorse. Did I get enough coverage?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Deciding between a
non owners car insurance
 policy and the rental car insurance is a tough choice. Since you already purchased the non owners policy, you may just want to take a closer look at the limits.
One mistake people make with non owners policies is to assume that since they don’t own the car, they don’t need a lot of coverage. That is incorrect! You should carry as much liability as you can afford on this type of policy as well. Washington has a state-minimum coverage of 25/50/25.
The recommended limits for most people are 100/300/50. This represents $100,000 per person and $300,000 per accident toward
bodily injury
 payments and $50,000 per accident for
property damage
 payments.
Also, make sure the non owners policy has coverage for
comprehensive insurance
 and
collision insurance
.
If you have limits that you are comfortable with and are still saving money, you made the right choice! “
State Insurance MinimumsCar Insurance
View full answer 
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