Non-owner car insurance is a special policy that provides liability coverage for people who don’t have a car. You should consider a non-owner policy if:
Using rental cars frequently. Non-owner insurance can serve as rental car insurance and might be cheaper than paying for liability coverage at the rental counter. Liability insurance pays if you cause property damage or injure others in a car accident. Non-owner insurance generally doesn’t cover damage to the car you’re driving. Check whether you have insurance for damage to the rental vehicle through a credit card or buy the collision-damage waiver from the rental car company.
Borrowing other people’s cars or using a car-sharing service. If there’s an accident, the car owner’s insurance normally pays out. But if the costs exceed the owner’s liability limits, you could liable for the remainder. Non-owner car insurance would supplement the owner’s coverage.
Wanting to maintain continuous auto insurance coverage: This can help save money on car insurance later. Going without coverage can make you look risky and can lead to higher rates when you buy a vehicle.