Without having an actual car to insure or insurable interest in a vehicle (by having your name on a title or lease) there are limited options for you regarding auto insurance. A non-owners policy is one option since it is for motorists that do not yet own a motor vehicle to insure.

If you plan on renting cars frequently, 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 this type of policy so it is likely that you would still need to purchase this extra coverage from the rental agency.

Nonowners policies typically include liability, medical payments, and uninsured/underinsured motorist coverages. Nonowners policies do not include coverage for a vehicle like comprehensive, collision, towing reimbursement, or rental reimbursement coverage.

A non-owners policy provides coverage for other cars you drive, not just rental cars. If you borrow a car from a friend and get into an accident in this borrowed car, your friend's insurance would kick in first. But if, for example, the accident was your fault and the damage to the other driver's property exceeded the liability limits on your friend's policy, your non-owners insurance policy would cover the excess (up to policy limits). A nonowners would not cover repairs your friend's car though.

As for insurance to test drive vehicles, you should discuss if a non-owners policy plus any insurance a dealership has on its vehicles would be enough to let you go on a test drive. Once you have a motor vehicle you can get a car insurance quote here, until then you can request a quote with us to find out if our partners offer non-owners insurance in your area.