Do I Need To Purchase Auto Insurance If I Don’t Own A Car?

If you don’t own a car, the thought of purchasing auto insurance might never have crossed your mind because you believe you don’t need it. However, the matter of non-car owners not needing car insurance is not as clear-cut as that. At The Insurance Hub LLC, we advise the residents of Wichita, KS who don’t own a car to consider purchasing car insurance under the following circumstances.

Purchasing Auto Insurance If You Don’t Own A Car

• You use a family member’s car regularly
• You borrow a friend’s car frequently
• You are the caregiver of a car owner who doesn’t drive their car very much
• You purchased a vehicle from a private seller, and you are yet to complete payments and won’t receive the car title until you complete payments

Depending on your non-car ownership situation, here are some of the best options for getting auto insurance.

1. Get added to the car owner’s auto insurance policy

If you live in the same home as the vehicle owner, the easiest way for you to get auto insurance is by getting added to the car owner’s auto insurance policy. If you live with the car owner might also be covered by their auto insurance policy if you drive the vehicle occasionally.

2. Get added to the vehicle registration or title

If you have purchased a vehicle from a private seller and they are waiting for you to complete payments for you to receive the vehicle title, you can request them to add you to the vehicle registration or title. You can use addition to convince the insurer to sell you an auto insurance policy.

3. Purchase a non-owner car insurance

You can buy a non-owner auto insurance policy as secondary coverage to the vehicle owner’s policy. However, this policy doesn’t offer comprehensive or collision coverage, and you can only be eligible if you don’t drive the car frequently.