Does Farmers offer temporary car insurance?

Yes, you can get car insurance without a car. You can buy non-owner car insurance which will provide your state minimum car insurance coverage as long as you have a valid driver's license, do not have a vehicle registered in your name, and do not have access to a household vehicle.... read full answer

How to Get Car Insurance Without a Car

• Present a valid driver’s license
• Make sure you don’t own a vehicle in your name
• Ensure that no one in your household owns a vehicle that you might have access to (sometimes required)

Non-owner car insurance is liability-only coverage, which only covers injuries or property damage that you cause to other drivers. It does not provide coverage for you, your passengers, or the car you are driving.

When to Consider Getting Car Insurance Without a Car

Your friends’ insurance policies might allow them to list other drivers for permissive use, which would cover accidents that occur while you’re borrowing their car. But any damages that go beyond the limits of their policy would be your financial responsibility. By obtaining non-owner insurance, you provide yourself with additional protection in such cases.

Non-owner car insurance policies vary in cost, but they’re typically cheaper than car insurance coverage for a vehicle you own. Your age, driving history, where you live, and how often you drive all factor into the rates you may be offered.

If you are interested in obtaining non-owner car insurance coverage, we recommend seeking quotes from several insurance companies before making a final decision.

No, it’s not bad to switch car insurance companies often. Switching insurers can be a great way to save on your car insurance premium, though it’s important to remember that you may be charged cancellation fees each time you switch companies mid-policy.

Progressive, Travelers, and Liberty Mutual are the only companies among the 10 largest insurers that charge cancellation fees, though smaller companies like ... read full answerAAA and Auto-Owners also have fees. If your insurance company charges a cancellation fee, then it’s probably best to wait until it’s time to renew your policy to switch insurers.

If you decide that you want to switch insurance companies mid-policy, you need to contact your current insurer and let them know instead of simply not paying your premium. Even if you paid for your policy in full up front, you should still officially cancel the policy so that you can get a prorated refund.

To learn more, check out WalletHub’s guide to switching car insurance companies.

No, you do not need car insurance to borrow a car if the owner is insured, they have given you permission to drive the vehicle, and their policy allows it. Car insurance follows the car, not the driver, so expenses from an accident will generally be covered by the vehicle owner’s insurance policy. This is often referred to as permissive use.... read full answer

If you plan to drive borrowed cars frequently, you should consider purchasing a non-owner car insurance policy. Non-owner coverage gives you additional protection beyond what’s offered by the owner’s policy.

For example, if you’re in an accident while driving someone else’s car, the owner’s car insurance policy limits may not be high enough to cover all medical bills and repair expenses. A non-owner policy acts as secondary coverage, though, so it will kick in once you’ve hit the owner’s coverage limits.

Non-owner policies are much cheaper than normal car insurance, and only cost between $200 and $500 per year. Most major insurers sell non-owner coverage but don’t offer online quotes, so you will need to call in order to get an exact cost estimate.