Non Owner Car Insurance Progressive: Everything You Need to Know

Car insurance is essential to protect yourself and others on the road from any financial loss that may arise due to accidents. But what if you don’t own a car? Can you have car insurance? The answer is yes. Non-owner car insurance is a type of car insurance policy that provides coverage to people who don’t own a car but occasionally drive a rented or borrowed car.

What is Non Owner Car Insurance?

Non-owner car insurance is a type of car insurance coverage that pays for damages and injuries you cause to others while driving a rented or borrowed car. This policy does not cover damages to the car you are driving, and it does not provide collision or comprehensive coverage. Non-owner car insurance is a liability-only policy, which means it only covers the damages you cause to other people’s property or injuries to other people.

Progressive Insurance is one of the insurers that provide non-owner car insurance coverage. Progressive Non-owner Car Insurance is affordable, easy to buy, and provides the essential liability coverage that you need while driving a rented or borrowed car. In this article, we will guide you through everything you need to know about Progressive Non-Owner Car Insurance.

Who Needs Non Owner Car Insurance?

If you don’t own a car but occasionally drive a rented or borrowed car, non-owner car insurance may be the perfect policy for you. People who need non-owner car insurance include:

• People who frequently rent cars for business or personal use
• People who borrow a friend or family member’s car on occasion
• People who use a car-sharing service like Zipcar or Car2Go
• People who frequently use a rental car while traveling
• People who use ride-sharing services like Uber or Lyft

What Does Progressive Non-Owner Car Insurance Cover?

Progressive Non-Owner Car Insurance provides liability coverage for damages and injuries you cause to others while driving a rented or borrowed car. The policy covers the following:

• Property damage liability: This coverage pays for damages you cause to other people’s property while driving a rented or borrowed car.
• Bodily injury liability: This coverage pays for medical expenses, lost wages, and other damages you cause to other people in an accident while driving a rented or borrowed car.
• Uninsured and underinsured motorist liability: This coverage pays for damages and injuries you sustain if you are hit by an uninsured or underinsured driver while driving a rented or borrowed car.

How Much Does Progressive Non-Owner Car Insurance Cost?

The cost of Progressive Non-Owner Car Insurance varies depending on several factors, including:

• Your driving record: If you have a clean driving record, you may pay less for non-owner car insurance.
• Your age and gender: Younger drivers and male drivers typically pay more for car insurance than older and female drivers.
• Your location: Car insurance rates vary by state and zip code.
• Your coverage limits: The higher your coverage limits, the more you will pay for car insurance.

On average, Progressive Non-Owner Car Insurance costs between $200 and $300 per year. However, your actual cost may vary based on your individual circumstances.

FAQ

1. Do I need non-owner car insurance if I have a regular car insurance policy?

If you own a car and have a regular car insurance policy, you may not need non-owner car insurance. Your regular policy may have a “permissive user” clause that covers you when driving a rented or borrowed car. However, you should check with your insurance company to confirm if you are covered.

2. How do I buy non-owner car insurance from Progressive?

You can buy non-owner car insurance from Progressive online, over the phone, or through an independent insurance agent. To buy online, go to the Progressive website and select “Non-Owner Car Insurance” from the menu. Then enter your information and select your coverage options.

3. Will non-owner car insurance cover me if I am driving someone else’s car and get into an accident?

Yes, non-owner car insurance will cover you if you are driving someone else’s car and get into an accident. The policy provides liability coverage for damages and injuries you cause to others while driving a rented or borrowed car.

4. Can I add additional coverage to my non-owner car insurance policy?

No, you cannot add additional coverage like collision or comprehensive coverage to your non-owner car insurance policy. The policy only provides liability coverage for damages and injuries you cause to others while driving a rented or borrowed car.

Conclusion

Non-owner car insurance is an excellent policy for people who don’t own a car but occasionally drive a rented or borrowed car. Progressive Non-Owner Car Insurance provides affordable and essential liability coverage for damages and injuries you cause to others while driving a rented or borrowed car. With Progressive, you can purchase non-owner car insurance online, over the phone, or through an independent insurance agent.