Non-owned vehicle insurance can help you get the liability protection you need, even if you aren’t listed as an owner of a vehicle on a title. Contact Samco Agency in Wood Dale, Illinois, to learn more about getting auto liability coverage when you don’t own a car.  

Can You Get Car Insurance Without a Car? 
Yes, it is possible to get car insurance without owning a car. Non-owner car insurance is designed for drivers who don't own a vehicle but still need liability coverage when driving.  

Non-owner car insurance may help provide liability coverage for bodily injury and property damage if you cause an accident while driving a vehicle you don't own. It does not typically include coverage for physical damage to your vehicle. 

Contact your agent to discuss your circumstances and obtain non-owner car insurance. They can help determine the policy’s cost based on factors such as your age, location and driving record. 

Do I Need Non-Owner Car Insurance? 
Whether you need non-owner car insurance depends on your specific situation and the nature of your interactions with vehicles. Here are a few scenarios where non-owner car insurance might be necessary or beneficial: 

• If you frequently borrow or rent cars from friends, family members or rental agencies, non-owner car insurance can provide liability coverage in case you cause an accident. 
• If you occasionally participate in car-sharing services like Zipcar or Car2Go, non-owner car insurance can offer an extra layer of protection beyond what the car-sharing company provides.
• If you don't own a car but occasionally drive someone else's vehicle, non-owner car insurance can fill the coverage gaps between the car owner's insurance and your personal liability coverage, such as a renters or homeowners insurance policy.
• If you've had your driver's license suspended or revoked due to a serious driving offense, you may be required to file an SR-22 form with your state's Department of Motor Vehicles (DMV) to reinstate your driving privileges. In such cases, non-owner car insurance may be necessary to meet the SR-22 insurance filing requirement. 

It's important to note that non-owner car insurance typically doesn't cover physical damage to the vehicle you're driving, as that is the responsibility of the car owner's insurance policy. 

Contact Us 
To determine if non-owner car insurance is right for you, consider your driving habits and the frequency of your interactions with vehicles, and consult an insurance professional who can provide personalized advice based on your circumstances. 

Contact Samco Agency today to compare non-owner car insurance quotes.