If you frequently rent cars, a "non-owners" policy might be more cost effective than relying on the insurance sold at rental counters. However, comprehensive and collision coverage are not usually available for "non-owners" policies. It is likely that you would still need to purchase this from the rental agency. Your "non-owners" auto insurance will cover you when you rent a vehicle and are involved in an accident in that vehicle. It will provide liability coverage protection. If you borrow someone’s car and crash it, the vehicle owner’s insurance takes precedence over your "non-owners" coverage. Your policy; however, would activate when the vehicle owner’s liability limits are exhausted.

You can get a car insurance new quote here and see how much one of these policies would cost you.