Choosing Insurance Doesn't Have To Be Stressful

2 Tips For Making Sure You Are Insured While Driving A Car That Is Not Yours

If you do not drive often, then it might be beneficial to skip standard insurance plans. Paying for a standard insurance plan may not be as economical as it would be for someone who owns a car and drives it on a daily basis. However, even if you only drive every once in a while it is still important to have coverage in the event of an accident. Fortunately, there are a few tips you can us to make sure that you are protected while driving a car that is not yours.

Look for Non-owner Car Insurance Plans

Non-owner car insurance is great for providing car insurance to individuals that do not have their own car and are looking to rent a car. Since insurance is needed in order to rent a vehicle, non-owner insurance gives infrequent drivers basic insurance. Non-owner insurance will act as a limited liability insurance in the case of an accident. This kind of insurance will only protect you from being held responsible for damages to the other car in the event of an accident that you were responsible for. Therefore, the insurance will not cover the costs that are needed to repair your vehicle. The cost of non-owner insurance varies from each provider, but the price is commonly determined based on your driving record and how often you plan to drive the car.

Find Out What Insurance Coverage the Owner Has Before Driving

If you decide to borrow a friend's car, the car will be covered under the insurance plan that your friend has. If they only have liability coverage, then the insurance will only cover damages sustained to the other vehicle if you are at fault. If your vehicle is totaled or is severely damaged, then your friend may decide to sue you in order to cover the cost of repairs or a replacement vehicle. As a result, it is important to check with the owner of the vehicle to see what type of coverage they may have before you decide to drive their vehicle.

If you do not drive often, then it is not cost-effective to get a standard auto insurance plan. Luckily, there are other auto insurance options available that are designed to fit a variety of needs. Therefore, use these tips to make sure that you are always insured when you are driving a vehicle that does not belong to you. Contact a local provider, such as Butler & Messier Insurance, for further assistance.