Progressive Non Owner Car Insurance

Car insurance is a necessity for all car owners as it protects them financially in case of an accident. However, if you don’t own a car and still need to drive one, traditional car insurance policies might not be a viable option for you. In such cases, non owner car insurance can come in handy. Non-owner car insurance provides coverage in situations where you are driving a car you do not own, such as a rental car or a friend’s car. While many insurance companies offer non-owner car insurance, Progressive is one of the most popular and reliable providers of this type of insurance.

What is Progressive Non Owner Car Insurance?

Progressive non owner car insurance is a type of coverage that provides liability insurance to drivers who don’t own a car. It covers damages or injury you may cause to others while driving a vehicle that is not yours. The coverage is specifically designed for people who frequently rent or borrow cars and need liability coverage in case of an accident.

The coverage offered under Progressive non owner car insurance includes:

How Does Progressive Non Owner Car Insurance Work?

Progressive non owner car insurance works similarly to traditional car insurance policies. You pay a premium to Progressive for coverage, and in return, Progressive provides you with liability insurance to cover damages or injuries caused by you while driving a car you do not own.

The amount of premium you pay depends on several factors such as your driving record, age, location, and the coverage limits you choose. Generally, non owner car insurance policies are less expensive than traditional car insurance policies as they provide limited coverage.

Who Needs Progressive Non Owner Car Insurance?

Progressive non owner car insurance is designed for drivers who do not own a car but frequently rent or borrow cars. It is ideal for:

• People who frequently rent cars for business or personal use
• Individuals who borrow cars from friends or family members
• People who use car-sharing services such as Zipcar or Car2Go
• Individuals who are required to carry non-owner insurance as part of their job, such as drivers for ride-sharing services like Uber or Lyft

How to Get Progressive Non Owner Car Insurance?

Getting Progressive non owner car insurance is a simple process. You can easily get a quote online or by calling the company’s customer service number. To get a quote, you will need to provide information about yourself such as:

• Your name and address
• Your driver’s license number
• Your driving history
• The type of car you plan to drive
• The coverage limits you want

Once you have provided the necessary information, Progressive will provide you with a quote. If you are satisfied with the quote, you can purchase the policy online or over the phone. The coverage will become effective as soon as you make the payment.

Advantages of Progressive Non Owner Car Insurance

Progressive non owner car insurance offers several advantages over traditional car insurance policies. Some of these advantages are:

• The coverage is less expensive than traditional car insurance policies.
• You can get coverage instantly without having to go through a lengthy application process.
• The coverage provides peace of mind when you are driving a car that is not yours.
• You can customize the coverage to suit your needs by choosing the coverage limits you want.

Disadvantages of Progressive Non Owner Car Insurance

While Progressive non owner car insurance offers several advantages, it also has some disadvantages. Some of these disadvantages are:

• The coverage is limited and may not cover all the damages or injuries caused by an accident.
• The coverage is only for liability and does not provide any coverage for damages to the car you are driving or injuries you may sustain in an accident.
• The coverage is not available in all states.

FAQs

1. Does Progressive Non Owner Car Insurance Cover Rental Cars?

Yes, Progressive non owner car insurance covers rental cars. It provides liability coverage in case of an accident while you are driving a rental car. However, it does not provide any coverage for damages to the rental car.

2. Can I Add Additional Drivers to My Progressive Non Owner Car Insurance Policy?

No, you cannot add additional drivers to your Progressive non owner car insurance policy. The policy only covers the named insured, and no other drivers.

3. What Happens if I Get into an Accident while Driving a Car I Don’t Own?

If you get into an accident while driving a car you do not own, your Progressive non owner car insurance policy will provide liability coverage for damages or injuries caused by you. However, if the damages or injuries exceed the coverage limits of your policy, you may be held personally liable for the excess amount.

4. Is Progressive Non Owner Car Insurance Mandatory?

No, Progressive non owner car insurance is not mandatory. However, if you frequently rent or borrow cars, it is a wise idea to get liability coverage to protect yourself financially in case of an accident.

5. How Can I Cancel My Progressive Non Owner Car Insurance Policy?

You can cancel your Progressive non owner car insurance policy at any time by calling their customer service number or by logging into your online account. Progressive will refund any unused premium amount if you cancel the policy before the next billing cycle.

Conclusion

Progressive non owner car insurance is an excellent option for people who frequently rent or borrow cars but do not own one. It provides liability coverage in case of an accident and is less expensive than traditional car insurance policies. However, it is essential to understand that the coverage is limited and may not cover all the damages or injuries caused by an accident. By understanding the coverage limits and carefully selecting the coverage limits, you can protect yourself financially in case of an accident while driving a car that is not yours.