I’m planning to sell my car next month. But when I asked my car insurer on how to cancel my insurance, an agent advised me to get a non owners auto insurance instead of totally canceling. Well, I’m not sure when will I buy a new car, so it might be a waste of money to get an insurance without a car. What do you think? I live in Corpus Christi Texas.
Dylan
Corpus Christi Texas
I understand if at first you may think it’s just a kind of up-sell or some customer retention spiel. In my opinion though, it can be a valid concern. You see, a non owners auto car insurance is simply car insurance for a driver who doesn’t own a vehicle. Because the policy covers the driver, it applies to any vehicle you will be driving. It may sound strange, but actually a good idea to purchase non owners auto car insurance even if you still don’t own a car in Corpus Christi Texas. Who knows? You may perhaps borrow a car from a friend, relative, family member or even travel and rents a car. In case there’s an accident and you don’t have insurance, it’s going to be covered as a lending loss. But of course, your relationship with the car owner will be affected if you cause their premiums to increase and be liable for huge sums in damages. Well of course, you can’t take chances.
Having a non owners auto insurance policy can protect and save you from significant money and problems against these situations. It will also keep a borrower from having to ask about insurance details up front. The penalties and liabilities for being an uninsured driver can be quite extensive; so don’t take the risk. Getting a non owners auto insurance in Corpus Christi will also help you find a good deal for regular car insurance once you have a new car again since rates will go up if you’ve been un-insured for a time.