Do I Need Auto Insurance If I Don’t Own A Car?
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The question of do I need auto insurance if I don’t own a car is not difficult to answer. The question is, do you drive?
If you have a drivers license but do not own a car, according to what type of vehicle you do drive should dictate whether you should carry drivers license insurance. Also, you’ll need to check with your state laws, as all of them differ according to this question.
It’s really quite simple to protect yourself and the car that you’re driving with insurance. Most states do allow drivers license insurance, or, insuring your drivers license policies. This is where you are not attached to a particular car, and of course, do not have full coverage.
There may be some companies that would be willing to give you full coverage automotive insurance on just your driver’s license. But you can bet it’s going to be expensive, as the insurance company does not know what type of car you’re actually insuring. Also, make sure that your personal injury protection is high enough to cover other people who are in the vehicle.
It’s easy to get an auto insurance quote, hop online, and use your friendly search engine that can get you to auto insurance quote pages. Many of these sites are going to offer multiple quotes from different companies. It’s important that you read the complete policy, because although the amount charged for the actual insurance policy may differ, they might have different liability limitations or other differences within the policy.
Most importantly is that you check with your state laws. States such as California have a Department of Motor Vehicles database that records when you purchase insurance. The state also puts a mark against your driver’s license if for some reason you are dropped by your insurance company. This alerts policemen and other authorities and they can pull you over and fine you for not having insurance.
Every state may be different so it’s important that you follow your state guidelines as far as insurance. If you have a drivers license, and do not own a vehicle, then it’s important that you protect your self and the vehicle you’re driving with some sort of auto insurance.
Remember, it’s easy to get quotes on auto insurance whether you own the vehicle or not. Make sure you shop around, read the fine print, and follow your state guidelines for vehicle insurance.
Do I need auto insurance if I don’t own a car? If you are an occasional driver you should read this: http://car-insurance.onlineautoinsurance.com/auto-insurance/non-owner/. You will be surprised with the answer.
