There is no "discount" for starting with a "non owner" policy opposed to purchasing a brand New "owner" policy. If you purchased your "non owner" policy with an insurance company that will allow you to convert it to an "owner" policy when you purchase a vehicle, you will save money. With a "non owner" policy, you have coverages that will transfer to an "owner" policy - usually with no additional cost. As a result, all you will need to do is do an "endorsement" (or purchase/add) the remaining necessary coverages and your vehicle - once you purchase your vehicle. If you have no insurance coverage when you purchase a vehicle, you will need to purchase all of the coverages from "scratch." (There are no coverages that are already being paid to transfer for no additional cost.)