Can you Get car Insurance online?

• Offers non-owner auto coverage through a variety of products
• Eligibility determined on case-by-case basis
• Talk to a local agent to find the best option for you.

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• Offers non-owner liability coverage for rental cars
• Talk to a representative to find the best option for you.

• Coverage can be purchased from local agent or over the phone
• Online quotes not available
• Call Nationwide or a local agent to find the best option.

A non-owner policy can also help by establishing continuous auto insurance coverage. Having periods when you’re uninsured — even if you’re between vehicles — could make you look “risky” in the eyes of some auto insurers and lead to high rates down the road when you buy a car and apply for a standard insurance policy.

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When not to bother

You’re not a good candidate for non-owner car insurance if you have regular access to a car and are covered by the owner’s policy. You don’t need a non-owner policy, for instance, if you live with your parents and use their cars. In most cases, you’ll be listed as a driver on their policy.

What non-owner car insurance covers

In addition to liability insurance, a non-owner policy can include medical coverage for yourself and uninsured/underinsured motorist insurance, in some states. Uninsured/underinsured motorist insurance covers your medical bills if you’re injured in an accident caused by a driver without any or enough liability insurance.

Non-owner insurance does not include collision or comprehensive insurance. In a standard auto policy, collision and comprehensive cover repairs or replacement of the vehicle you own. That means you’ll still have to take some precautions at the rental car counter. Use a credit card that offers rental car coverage or buy the rental car company’s collision-damage waiver, which removes your financial responsibility for damage to the car.

Cost of a non-owner policy

Typically, you can buy a non-owner car insurance policy for less than you’d spend for the same level of liability coverage on a standard car insurance policy. The cost is lower because you don’t have regular access to a car.