by scryedzxp » Sun Apr 04, 2010 05:03 pm
Hi. Never owned a car before nor have I ever purchased auto insurance before.
So I'm looking into renting a car for about a month. From what I've been reading, it seems that a non owner policy coverage is the type of insurance I should be looking to.
Where do I purchase the non owner policy coverage? Do they offer it at the car rental place or at an auto insurance company (like progressive or all-state)? If both, which one should I go for?
Also, what exactly is auto insurance quotes? I keep hearing about them. Is it just something in writing that tells you what kind of coverages you can get for your car?
So I'm looking into renting a car for about a month. From what I've been reading, it seems that a non owner policy coverage is the type of insurance I should be looking to.
Where do I purchase the non owner policy coverage? Do they offer it at the car rental place or at an auto insurance company (like progressive or all-state)? If both, which one should I go for?
Also, what exactly is auto insurance quotes? I keep hearing about them. Is it just something in writing that tells you what kind of coverages you can get for your car?
Posted: Sun Apr 04, 2010 07:02 pm Post Subject:
From what people tell me, not many carriers write a non-owners policy or perhaps many agents don't know about it. Contact a local agent (independent might be easier) and inquire on this.
The insurance through the rental agency is _very_ expensive.
A quote is the price for the coverage that you want. Since the price is based on _many_ different factors and even from carrier to carrier for the same coverage, the give you a "quote". Same as if you had a contractor give you a price for some work.
Posted: Mon Apr 05, 2010 07:07 pm Post Subject:
A non owners policy was designed for someone who does not own a car, as the name implies. its generally a tool for a higher risk driver that need a state financial responsability filing to get their license back from suspension. I have worked for several companies including my current employer, that writes non owner policies. The policies generally exclude coverage when driving a car that is owned by someone in your household or is regularly available for your use. Most standard policies will cover you for a temporary replacement vehicle like a rental car, but if your sole vehicle is a rental car. Not so much
Hope this helps.
Posted: Mon Apr 05, 2010 10:21 pm Post Subject:
there are many car insurance website that will give you quotes to compare, when your ready to get everyday insurance check them out.
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