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Can I purchase Car Insurance without owning a car?

This is a legitimate question people have about car insurance and fits a need for certain people. This type of coverage is called a non owner policy. Situations where insured's live in a metro area often leads to a scenario where this coverage is needed or wanted. People who live in metro areas often don't own vehicles for many reasons: cost, space, cost of insurance, etc.

One who doesn't own a vehicle but often rents a car or borrows a friend's could use a non owner policy. If you're driving a car not owned by you, the insurance on the car is primary. If more damage occurs than coverage afforded by the policy, the driver would become liable for the remaining uncovered damage.

When renting a vehicle, if you purchase the coverage they offer, there wouldn't be a coverage gap in the above scenario. However, if you rent a vehicle quite often, the premium for the coverage can become expensive over a years time. Purchasing a non owner policy might be a more cost effective method. Also, this policy will cover accidents for any vehicle you're driving, not just accidents while driving the rental car.

The answer, yes you can purchase coverage with out owning a car and for those of you who are reading this, perhaps the need exists.

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