If you don't have insurance because you do not own a vehicle, does not make you a 'high risk.' Items that constitute 'high risk' are items like youth, a bad driving record, and a bad credit score (to some companies). Some companies use credit to help determine risk. Their statistics must determine that those people with better credit are better drivers (and less likely to be involved in accidents) than those drivers with worse credit. Now, it would be a good idea if you and your husband purchase a 'non-owner' policy if either you or your husband will be driving someone else's vehicle. A 'non owner' policy will provide coverage for liability, medical payments, and uninsured motorist coverages for someone who does not own a vehicle and will be operating a vehicle owned by someone else. Also, you may want to see if you can add a vehicle to that policy in the future and turn it from a 'non-owner' policy to an "owner's" policy. (So, you do not have to cancel this policy and have to start up a brand new policy with a brand new down payment.)

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