Non Owners Auto Insurance in San Antonio Texas
Reader’s Question:
How much non owners auto insurance should I get here in San Antonio?
Madeline
San Antonio TX
Non owners auto insurance is good if you’re just a commuter and borrow 
a car occasionally for important trips. In a time where fuel costs are rising, it is the most prudent thing to do. As long as you drive, you need to have insurance in order to be protected.
Insurance companies offer customers a non owners policy if they drive on occasion but do not have their own car. The coverage of this type of insurance includes medical payments and liability. It also has coverage for underinsured motorist. However it does not have collision or comprehensive coverage. It does not reimburse for towing expenses.
If you rent a car, you can get these same benefits even if you bought limited coverage. This is one of the things that car rental companies offer in order for them to get customers. An average policy costs between $300 and $500 annually. The rates depend on a lot of factors like where you actually live and how good your driving record is. So the rates can go both ways. So if you rent a car, for say, more than 10 days a year, then yes, having a non owners auto insurance can help cut costs.
This insurance though is not exclusive for cars rented. As long as you drive one, it will provide the coverage you need. Suppose you borrow a car from a close friend. If you get into an accident, your friend’s insurance policy will be the one to pay for any damages. But that’s if you weren’t the one at fault. So what if it was your fault? If the other driver’s damages exceed your friend’s insurance then you have no choice but to pay for that extra amount. By having a non owners insurance, then that costs would be covered.
Before you get that non owners auto insurance in San Antonio, gather any information that you may need to make the process much easier.
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