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.
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