Yes, Allstate offers non-owner car insurance for people who do not have access to a household car. Allstate non-owner car insurance is a good investment for drivers who frequently borrow or rent cars, or those who need to file an SR-22 or FR-44 with their state to prove they have insurance. A non-owner policy from Allstate typically costs around $638 per year.
When to Consider Allstate Non-Owner Car Insurance
You rent cars regularly.
You frequently use car-sharing services such as Zipcar.
You need to reinstate your license.
You need to file an SR-22/FR-44 form despite not owning a car.
You want to maintain continuous coverage to prevent future premium increases.
Yes, Allstate offers rental car insurance. If you already have a personal auto policy with Allstate that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Allstate, physical damage to the rental vehicle will not be covered.… read full answer
You can talk to a Allstate customer service representative at 1 (800) 255-7828 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through Allstate to cover your rental car, you can purchase insurance from your rental car company, or see if it is offered by your credit card company.
Allstate Rental Car Coverage
Liability Insurance. Allstate liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others’ medical expenses and repairs to others’ property resulting from an accident you caused in your rental vehicle.
Collision and Comprehensive Insurance. If you have collision and comprehensive insurance with Allstate, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your Allstate collision and comprehensive coverage limits may not be high enoughif you are renting a car with a much higher value than your personal vehicle and the car gets totaled.
Personal Injury Protection or MedPay. If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.
Allstate also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, Allstate will pay about $30 to $100 toward the cost of your rental, up to 30 days. You select specific rental car reimbursement limits when you purchase the add-on. For example, Allstate might pay up to $30 per day for a maximum of 30 days for your rental car.
The cheapest non-owner insurance is from Geico, State Farm, and Farmers. Non-owner insurance is for people who don’t own a car but rent or borrow one frequently. Although non-owner car insurance is usually cheaper than a standard policy, the cost can still vary widely based on location, driving record, and other risk factors.… read full answer
Non-owner policies fulfill the state’s mandatory minimum requirements for liability coverage, though some companies also allow drivers to purchase additional coverage. Drivers can purchase non-owner policies from the country’s 10 largest insurers or from many nonstandard insurance companies.
Not all of these companies operate in every state. Additionally, Progressive only offers non-owner insurance policies to existing customers. It’s also worth noting that if you are rejected by a major company like Geico or State Farm, the nonstandard insurers on this list might be willing to sell you a policy.
Since non-owner insurance is relatively uncommon, most insurance companies have customers call for a quote rather than getting an estimate online. But despite the extra time this requires, comparing multiple quotes will pay off in the long run by saving you money based on your specific location and driving history.
No, you do not need car insurance if you don't own a car and don't plan to drive, unless your state has required you to file an SR-22 or FR-44. If that is the case, then you can purchase non-owner insurance, which will give you at least the minimum amount of coverage required by your state.… read full answer
Even if you’re not required to carry non-owner car insurance, it’s a smart investment if you want the freedom to drive occasionally using rental cars, car sharing services, or borrowed vehicles. When you drive someone else’s car with their permission, you are generally covered by their insurance policy. But non-owner coverage allows you to choose your own policy limits, and it’s easier handle an insurance claim when you’re the insurer’s customer.
You should also consider purchasing non-owner car insurance if you are temporarily between cars and want to maintain continuous coverage with your insurer in order to avoid a lapse in coverage or receive customer loyalty discounts and benefits.
What Non-Owner Car Insurance Covers
Injuries to other drivers in accidents that you cause.
Property damage that you cause, excluding damage to the vehicle you’re driving.
Your medical bills after accidents, depending on your state.
Most major insurance companies offer non-owner car insurance, which usually costs between $200 and $500 per year. If you purchase a non-owner policy, you are required to carry at least your state’s minimum coverage amounts. But you can also purchase additional coverage that is not required.
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