Non Owner Auto Insurance

non owner auto insurance


Searching for cheap Non Owner Car Insurance or Liability Car Insurance, regardless if you live in Los Angeles CA, or Huntington Beach CA can be challenging. So, let’s review some important factors that can help save you time and money when comparing cheap insurance quotes online.

By definition, a “Non Owned Auto Insurance policy” has certain guidelines in order to qualify for car insurance no car.

Non Owner Auto Insurance Factors

The first qualifying factor is, that the person who is buying the non owner car insurance either has permission from the owner of the vehicle to use or the vehicle is not owned by or registered to you, the name insured.

In addition, most non owner car insurance policies will stipulate certain conditions.

Some of these conditions can be such as, the vehicle used during the course of the policy can not be the following:

The insured’s employer, relative, non-resident spouse, person residing with the name insured, person listed as “other drivers” on the policy declarations page, a corporation or partnership.


Consideration of Coverage

An important consideration is the combined ownership interest of the name insured and relative exceeds twenty percent. These guidelines are standard on most non owner auto insurance policies.

Some other conditions that you will find on your non owners policy is, that the vehicle you are using for the coverage, has not been owned or registered to the person listed on the declarations page.

In addition, also as named insured, or any person listed as “other driver” in the policy declarations fall into this category.



Loopholes exist, and can cost thousands in claims if not addressed properly at the time of sale. This information is present on your declaration page.

Terms and definitions are outlined on this policy page, so make sure to review and understand exactly what you are paying for. These underwriting guidelines help maintain lower insurance premiums for the rest of the policyholders.


Liability Car Insurance Guidelines

Another underwriting guideline found on both your liability insurance policy and No Vehicle Coverage disqualify any vehicles used or maintained for transportation of people for hire, compensation, or profit or designed, used or maintained primly for the transportation of property.

The reason for these conditions is that a non owners policy does not substitute coverage use for commercial or business, since a separate coverage policy would need to be purchased in order to satisfy this type of policy.


Personal Passenger

Since a non owners policy falls under the private passenger or utility automobile policy, anything outside these conditions would not be permitted.

A motor vehicle by definition means, any vehicle designed for the primary use of driving upon streets and highway’s and are subject to vehicle registration under the laws of California or any sate in which they reside in.

On the other hand, a private passenger automobile means a vehicle that is designed for the pure intentions of driving persons and their personal luggage.


Standard Requirements

Under state laws, you are required to carry the standard requirements regardless if you are buying a no vehicle policy or a standard automobile policy.

The requirements include bodily injury which is sustained by any person other than the insured listed on the policy declarations.

The second coverage you will find on a liability only or non owner auto insurance policy is property damage.

Property damage meaning any damage of property arising out of a covered claim.

Supplementary payments which are in addition to the standard limits of liability that are found on a no vehicle policy include the following;

Court costs of any suit for damages and interest on all damages owned by an insured as the result of a judgement until the company pays, offers or deposits, in court, the amount due under this coverage.


Bond Premium

Premiums on appeal bonds required in any such suit that should arise, and any expense incurred by you the insured for immediate medical and surgical relief to others.

Lastly, any reasonable expenses, other than loss of earnings, incurred by the insured at the company’s request.


Helpful Tips

Anytime you are communicating with a carrier or provider, make sure to record and log all activity. This also means if you faxed or email the company, call to make sure it has been received.

You want to follow up on all correspondence to ensure you are properly covered and taken care of. A log diary of all your communication on coverage and changes to your policy will help protect your future.

Record keeping is an important habit in reducing exposure.


Keep My Collision and Comprehensive Coverage

If you are financing your vehicle through a bank you will need to keep your policy active.

Here is a list of Forbes top banks. If for whatever reason your policy gets cancelled, your auto lender will be notified immediately. In some cases electronically, which is the fastest way possible.

If this should occur, your lender can tag on the comprehensive and collision coverage automatically and charge the premium to your monthly installment.


Lender versus Independent

This amount is a lot more expensive then if you were to buy a policy independent of the lender. Also, keep in mind that the lender will only provide the physical damage protection.

This means that you will still need to keep a liability policy in force to be legal to drive so, it would save you more money to just add the physical damage to your liability policy.


liability car insurance


Smartphone and Your Claim

Another great tip is to always keep a camera within reach in case you are involved in an accident. If you have a smartphone with a camera, then you are all set.

If you do not have a camera feature on your phone, just keep a disposable one close by in your vehicle.

If you were to be involved in an accident, you should use a camera to document the scene. These pictures and any diagrams you create, can be used in your claim investigation.

The more supporting documentation you have to prove a claim, the better. Make sure your case is sound and strong through the use of visual illustration.


Increase My Deductibles To Lower My Bill

Yes, this statement is true. The higher the deductible the lower your policy premium will be. If you are financing your vehicle, in most cases the lender will accept up to $1,000 deductibles for the physical damage portion.

This can help you out tremendously if you need full coverage but can’t afford the standard 500/500 deductibles.

This increase in deductibles will lower your policy term premium, which will result in a decrease on your installments.


How Long to Keep Your Policy Documents

A very common question is, how long should I keep my old policy documents. In most cases, you should keep your policy documents with no less then 3 years.

If something should occur, an active claim, or if your future carrier is requesting documentation from your prior carrier, you will have the records needed on file.


Claim Receipts

If you were involved in an accident or claim, make sure to keep all receipts, log notes, communication and correspondence along with your policy declaration page.

If you needed to show a current carrier that the accident you had last month was not your fault, you would need to submit proof in what comes in the form of a “no loss run”.


No Loss Run

This form let’s the current company know that no open or existing claims or accidents were reported on this policy. Furthermore, if you did have a claim or accident during the policy interim.

Also, it was not listed as your fault, they would have documentation showing no fault.

This letter of experience will allow you to not be charged for an incident found on your current driving record.


When is it too Late to Protect and Insure

In the world of risk and exposure, it is always a good practice to maintain consistency. Having said that, you want to make sure that you keep your payments up to date and active.

If you are unhappy with your current carrier, make sure to shop rates a week in advance to your next auto payment is due.

So, instead of making your next policy auto policy payment, you would start a new policy with an effective date of the day before your old one cancels out.

This makes sure that you are not left unprotected, and not overpaying on additional coverage which you don’t need.


Same Day Coverage

In some cases, you may need your policy active same day. You may have just received a cancellation statement from your current carrier, or just found out that you are no longer an acceptable risk.

This can be a dampening dilemma, but make sure that you always keep records of this information.

It only takes one moment in one day, to change the course of your entire future.

Something as simple as, “I will pay for the Insurance tomorrow”, can cost you a lifetime based on the decision you make today.


Coverage Tool

A good tool to make sure this does not happen to you when you are shopping and comparing quotes is, to ask for an automatic payment plan.

This type of payment plan, also labeled an EFT can be set up on your checking or credit card account, so you can continue living your days without worry of paying your policy.

In addition, this payment plan feature can also shave off savings from your total premium.

Ask for this option at the time of sale however. Many companies may only allow you to add this plan during the time of sale and not after. Remember, there are many programs that exist for all types of markets.

That is why you see so many providers offering different programs and options.


Mileage Tips for Savings

If you have a seasonal job or a job that will relocate you to another location, make sure to inform your auto insurance provider.

If you are taking a mileage reduction, the vehicle that is being insured, then your premium would go down.

The less miles on the roads of California highways and freeways, equal the less chance of being involved in any risk or exposure.

Check with your insurance agent and carrier, since certain underwriting guidelines exist for certain scenarios.

There is no one size fit program, so the more questions you ask, the more savings you will find. Knowing the right questions is key however.



non owner auto insurance



To recap, the amount of miles you drive on your policy can reflect directly on your premium.

Make sure that the mileage reflects your current lifestyle and if proof is needed by the carrier, you can supply it with no problem.
Usually, evidence of this discount comes in the form of an oil change or any kind of work that would show the VIN number and odometer reading of the vehicle being insured.



Rating Factors

As you can see, many factors are considered into qualifying under a non owner policy. Keep in mind when shopping for the lowest quotes, make sure that your Motor Vehicle Report is ran at the time of quoting process.

This will ensure you are getting a guaranteed rate and not just an artificial number.

Coverage for your vehicle or to satisfy the State you live in, is important to review before purchasing. Make sure the coverage is matching your needs.



How the Process of Buying Works

In addition, if your getting insurance without a car, than the insurance buying processes is made even simpler.

No photos are required, it is a simple process of taking your information, 5 minutes later receiving a guaranteed rate, and having your proof of insurance in your inbox within minutes!
Fire, marine and casualty insurance and carriers in Anaheim

We have been shopping and comparing low cost insurance for both liability car insurance and Cheapest Non Owner SR22 Insurance for over 30 years! We can help you regardless if you buy from us so, give us a call at 800-962-0085!


Service Areas: Los Angeles, Victorville, San Bernardino, Anaheim, Fullerton, Ontario, Fontana, Moreno Valley, Riverside & Orange.


SR22 Insurance in CA
  • Jack Reynolds