Though it may seem like a silly question to ask, not everyone who needs car insurance owns a car of their own. Whether they live in a major city or simply don’t yet have a car, it doesn’t mean they don’t ever drive, which makes having car insurance an important liability measure in case an accident were to occur while they were behind the wheel.
Thankfully, plenty of car insurance companies recognize that some drivers need to have car insurance before actually buying a car, they and offer insurance protection policies tailored to their needs.
Let’s discuss the instances where non-driver car insurance coverage may be a good idea to have, what car insurance coverage options look like for a typical non-driver, and how Rate Retirever can make the entire process of getting car insurance that fits your needs and budget easy.
This resource will give you a better idea of what kinds of coverage are available to you and which will likely be the best fit for your situation.
I hardly ever drive. Do I really need car insurance?
Any time you get behind the wheel you are putting yourself and others at risk if you do not have car insurance. This is a fact even if you are a good driver, and even if you only drive now and then.
While your risk may be lower than someone who drives every day, there is always a chance for something to happen that may be out of your control. Even with a limited insurance plan, you can financially protect yourself in an at-fault accident, and that alone makes it an important thing to have.
If you’re still wondering if you need car insurance, consider if any of the following situations might pertain to you:
Your state requires you to have insurance no matter how much you drive
You use or plan to use a car-sharing service
You borrow other people’s cars
You often rent cars for vacations or long trips
You plan to buy a car soon