Non-Owner Car Insurance for Renters

• If you don’t own a car but want full coverage when renting or borrowing vehicles, consider non-owner car insurance. This policy offers liability coverage, with options to add comprehensive and collision coverage.
  
  

How to Get Non-Owner Car Insurance:

• Research Providers: Find insurers that offer non-owner policies.
• Assess Coverage Needs: Decide if you need just liability or full coverage.
• Contact an Agent: Explain that you need non-owner insurance with full coverage options.
• Provide Information: Share your driving history and intended use.
• Compare Quotes: Get multiple quotes to find the best rate.
• Purchase & Use: Buy the policy and present it when renting a car to save on rental company insurance.
• Additional Tips:
  Non-owner insurance doesn’t typically cover rental car damage—consider adding collision and comprehensive coverage.
  Verify with the rental company that they accept your non-owner insurance.

This approach ensures you’re protected when renting cars without owning one

Insurance Coverage for Renters

To protect yourself when renting a car, consider these coverage recommendations:

• Liability Coverage: $100,000 per person / $300,000 per accident for bodily injury. $100,000 for property damage.
• Uninsured/Underinsured Motorist: Match your liability coverage.
• Comprehensive & Collision: Match the value of the rental car. Personal Injury Protection (PIP) / MedPay: $10,000 to $50,000.