Most people are not aware that they are under the obligation to purchase auto insurance, although they don’t own the vehicle they are driving. In fact, non owners auto insurance is a very important kind of coverage to have if you intend to drive someone else car. This is the case if it belongs to a friend, family or rental.

Contrary to popular belief, even if you do not own a vehicle, you still need to be covered when you are driving someone else’s car.  This coverage will do just that and keep you legal.  With this protection, you will be covered if you have done damage to someone’s property or person while you are in possession of a car that is not your own.  This coverage is in the family of liability coverage that protects you from any issues with insurance.

In order to receive this kind of coverage, it’s a good idea that you call around to see who offers the best rates.  Just about every insurance company offers this kind of protection, but with some, you will have to ask for it specifically.

If you’re not sure who offers what, to make things easier on yourself, when you call around, ask for the assigned risk program or plan that they have in place.  It’s important that you ask every company that you contact because every rate will not be the same and that is an important detail to keep in mind.

For every company that you contact, make sure that you have paper or pen and paper ready to write down the cost and the coverage options that are available.  This may take a while to get everything written down, but it is vital that you do this to get the best policy available to you.  On this sheet of paper, you will need to write down the terms and conditions of each policy from each company, as well as the rates that are involved and the coverage you receive for the amount of money that you will be paying.

If you are on a tight schedule and don’t really have time to sit and call around for rates all day, you can always put the Internet to work and compare quotes by using that method.  It will be quicker and probably a lot easier than making phone calls all throughout the day.

By having these quotes prepared for you online, it is important that you keep in mind that you are some-what on your own.  Even though there is a help button and people are usually online to give you assistance if needed, you may have a few in-depth questions that may have to be handled by an agent and this means that you will have to make a phone call.

Since all plans from each insurer will not be the same, it’s important that you know what you’re looking for and read the terms and conditions that you may be agreeing upon.    This is a very critical detail that you cannot afford to overlook or misunderstand.  These conditions are what you will be stuck to abide by during the course of your policy.  If there are any special needs that you require or more coverage that you feel you should have, it is important that you state so on the application or tell the agent that is assisting you so that you will get ultimate satisfaction from your new policy.