Will getting non owners car insurance help to create a good insurance history?

I got my driver's license a little late in life at 27. I don't have my own car yet, but I might borrow my parents' car from time to time. They might not want to put me on their policy since it will raise their rate a lot. Will having a non owners policy for a few years first help my insurance rates in the future?

“That is a good question, and it is great that you are thinking ahead!
Yes, a non owners car insurance policy will count towards your insurance history. Most carriers want to see continuous coverage with a carrier for at least six months in order to provide you with a lower rate. Of course, the longer you have continuous coverage, the better.
If you were to borrow your parents’ car and get into an accident, even with the non owners policy, their policy would pay out for the claim first and your policy would pay out any excess liability insurance damages.
Most non owners policies do not come with comprehensive insurance or collision insurance; you would need to include that coverage by purchasing an endorsement. “
Shannon Martin
Answered on Apr 29, 2021
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.

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