Non-Owner Car Insurance

What is Non-Owner Vehicle Insurance?

Non-owner auto insurance is a form of liability coverage crafted for people who don’t own a car but often rent vehicles, utilize ride-sharing services like Zipcar or Turo, or borrow automobiles from acquaintances or relatives. This policy safeguards you if you’re held liable for damages or injuries caused to others while you’re operating a vehicle you don’t own.

Why Select Mid-Columbia Insurance?

As an independent insurance agency, we have the autonomy to browse and evaluate rates from various carriers to discover the optimal coverage at the most competitive price for your specific circumstance. Our knowledgeable agents will collaborate with you to understand your needs and assist you in choosing the appropriate non-owner car insurance policy. We’ve teamed up with respected insurance providers such as:

• Progressive: Known for their competitive rates and 24/7 customer service
• Dairyland: Specializes in providing coverage for high-risk drivers as well as 24/7 customer service
• National General: Offers customizable policies at very competitive prices.
• Bristol West: Provides affordable coverage options for a wide range of drivers
• The General: Focuses on offering coverage to drivers with less-than-perfect driving records

These carriers offer dependable coverage and exceptional customer service, guaranteeing you’re in capable hands.

What Does Non-Owner Car Insurance Include?

A non-owner auto insurance policy always has:

• Bodily Injury Liability: Pays for medical bills, hospital stays, surgeries, rehabilitation, and lost wages for others if you’re at fault in a collision.
• Property Damage Liability: Covers the cost of repairs or replacement for other people’s property, such as their vehicle, fence, or mailbox, if you’re responsible for the accident.

You may also add supplementary coverages such as:

• Personal Injury Medical Coverage: Contributes to medical expenses, such as ambulance rides, doctor visits, and medications, if you or your passengers are injured in a crash.
• Uninsured/Underinsured Motorist Coverage: Protects you and your passengers if you’re in an accident caused by a driver with insufficient or no insurance, covering your medical bills and property damage.

Is Non-Owner SR22 Insurance Available?

Yes, an SR-22 can easily be added to a Non-Owner Car Insurance policy. If you live in Washington and need an SR22 for Washington or another state, a non-owner SR-22 policy is an affordable way to satisfy that requirement.

How to Get Started

Getting non-owner car insurance is easy with Mid-Columbia Insurance. Simply give us a call at (509)783-5600 or fill out our Quote Request Form, and one of our friendly, professional agents will guide you through the process. We’ll ask a few questions about your driving history and coverage needs to provide you with personalized quotes from our top-rated carriers.

Don’t wait until it’s too late – protect yourself and others on the road with non-owner auto insurance from Mid-Columbia Insurance. Contact us today to learn more and get started on your policy. Whether you’re a college student borrowing friends’ cars for the weekend, a retiree who occasionally rents a vehicle for road trips, or a city dweller who relies on car-sharing services, we have a non-owner car insurance solution that’s right for you.