Life events can happen quickly, and your circumstances may change more often than you realize. Whether it’s starting a new job, relocating for work, or expanding your family and needing a new vehicle, these changes can impact your insurance needs. Many drivers in Plano, TX, keep the same coverage for years without considering how their needs may have evolved. At Paragon Independent Insurance Agency, we recommend reviewing your policy regularly to ensure you’re receiving the best protection and value.

Major Life Changes Call for a Review

Significant life events are an excellent opportunity to reevaluate your auto insurance. Examples include purchasing a new vehicle, adding a teen driver to your policy, or moving to a new area. These situations may require adjustments to your coverage. Even changes in how much you drive can make a difference. That’s why it’s important to review your policy at least once a year to ensure it aligns with your current needs.

Annual Policy Checkups

Experts recommend conducting a thorough review of your auto insurance coverage annually. Drivers in Plano, TX, can benefit from meeting with an agent at Paragon Independent Insurance Agency to discuss updates or improvements that provide strong protection while accommodating life changes. Asking questions and staying informed about your policy is encouraged. The more you know, the more confident you’ll feel knowing you’re adequately protected.

Stay Protected with the Right Coverage

Insurance isn’t a “set it and forget it” purchase. Regularly evaluating your policy ensures you’re not underinsured. The team at Paragon Independent Insurance Agency makes it simple to adjust your coverage as your life evolves. Contact us today to review your current policy or request a quote.

It might seem unusual at first, but yes, you can absolutely get auto insurance even if you don’t own a car. At Paragon Independent Insurance Agency in Plano, TX, we often receive this question from people who drive occasionally but don’t have a vehicle registered in their name. Whether you’re renting cars, borrowing a friend’s vehicle, or using a car-sharing service, there are options to keep you protected.

What Is Non-Owner Car Insurance?

Non-owner car insurance is designed specifically for individuals who don’t own a car but still drive occasionally. This type of policy typically provides liability coverage, which helps pay for damages or injuries you might cause to others in an accident. It doesn’t cover the car you’re driving, but it does protect you from out-of-pocket costs if something goes wrong.

Why Would You Need It?

If you frequently rent cars or borrow vehicles from friends or family, having your own coverage makes sense. It fills in the gaps where the car owner’s insurance might not apply or may fall short. Additionally, it ensures you remain consistently insured, helping you avoid coverage gaps that could lead to higher premiums in the future.

It’s More Common Than You Think

Many people who live in cities or work from home don’t need to drive every day. However, when they do, they want the security that comes with being insured. Non-owner policies are a smart and affordable solution for occasional drivers.

Let’s Talk About Your Options

If you’re unsure whether non-owner auto insurance is right for you, give us a call. At Paragon Independent Insurance Agency in Plano, TX, we’ll walk you through the details and help you find a policy that fits your lifestyle.