Frequently Asked Questions — Idaho Non-Owner (40)
1) What does a non-owner policy cover?
Liability for injuries/property damage you cause while driving a borrowed or rental car. It doesn’t cover the car itself.
2) Is non-owner the same as Broad Form?
No—different products. Compare here: Broad Form Idaho.
3) Can I add comprehensive or collision?
No—non-owner is liability-only. If you want physical damage coverage, you’ll need a standard auto policy. Need help? Call 888-445-2793.
4) Does it work in Boise, Meridian, Nampa, and Idaho Falls?
Yes—coverage concept is statewide; pricing and availability can vary by ZIP.
5) Is the car owner’s policy always primary?
Typically yes. Your non-owner may act as secondary/excess depending on limits and the loss.
6) Can I get proof quickly?
Often same day for ID cards and SR-22 e-filing, depending on carrier cutoffs. Start now: Get My Quote.
7) Can I file SR-22 on a non-owner policy in Idaho?
Yes—we e-file with the state so you can legally drive borrowed or rental vehicles.
8) How long do I need to keep SR-22?
Commonly 3 years; your notice controls. Keep coverage active to avoid restarts.
9) Will SR-22 make my premium skyrocket?
The filing fee is small; the violation history impacts rates. We shop multiple carriers. Talk it through: 888-445-2793.
10) What factors affect Idaho non-owner rates?
Age, violations, SR-22 requirement, prior insurance, and how often/where you drive borrowed cars.
11) Are there discounts if I don’t own a car?
Often yes—prior insurance, pay-in-full, autopay; sometimes safe-driver. Later, bundle when you buy a car.
12) Can I start non-owner now and switch later?
Absolutely. We rewrite you when you buy a vehicle and keep discounts when possible. Begin here: Get My Quote.
13) Who should get non-owner insurance?
Drivers without a car who borrow or rent occasionally, need SR-22, or want continuous coverage between cars.
14) Does it cover cars in my household?
No—household cars need their own policies; frequent users should be listed there.
15) Am I covered while driving an employer vehicle in Boise or Meridian?
Employer vehicles are usually insured by the employer—verify before driving. Unsure? Call 888-445-2793.
16) What if the car I borrow already has insurance?
That policy is typically primary in a claim; your non-owner may act as secondary/excess.
17) Should I buy the rental counter’s collision waiver in Idaho Falls?
Often smart—non-owner won’t cover damage to the rental car itself; the waiver usually does.
18) Does non-owner help with car-sharing platforms?
Non-owner is personal insurance; platforms have their own coverage. Get advice: Get My Quote.
19) Can I raise liability limits for Pocatello or Coeur d’Alene?
Yes—higher limits are available and recommended for better protection.
20) Does non-owner include UM/UIM in Idaho?
Many carriers offer UM/UIM; limits/availability vary.
21) Can I add roadside assistance for mountain trips near Twin Falls?
Often yes—response times vary by distance. Want to add it? 888-445-2793.
22) How fast can I get ID cards for court in Nampa or CDA?
Often same day; we’ll email them and e-file SR-22 if required.
23) What info do I need to start a policy?
License info, address, any violation details, and a payment method.
24) Can you shop multiple carriers for me?
Yes—comparing carriers balances price and coverage. Kick it off: Get My Quote.
25) When I buy a car in Boise, can I switch to standard auto?
Yes—easy rewrite; we’ll try to preserve discounts.
26) Will continuous coverage help future pricing in Meridian?
Usually yes; insurers like no gaps in coverage.
27) Can I pre-quote standard auto before I buy a car?
Sure—get a baseline now and convert later. Call 888-445-2793.
28) What about rideshare or delivery apps?
Those are commercial uses; ask about rideshare endorsements when you switch to standard auto.
29) I split time between Idaho and Washington—can this still work?
Tell us your primary garaging state and time in each; rules differ.
30) I drive a friend’s car most weekends—okay?
If frequent/regular, you should likely be listed on that policy. Not sure? Get My Quote.
31) If my roommate’s car is available, do I still need non-owner?
If you regularly use it, you should be listed on that policy instead.
32) Does non-owner satisfy lender requirements?
No—lenders require comp/collision on the financed vehicle via a standard policy.
33) Can I carry higher medical payments or PIP?
Often available depending on carrier. We’ll compare options: 888-445-2793.
34) Are premiums different in Boise vs. Coeur d’Alene?
They can be—loss trends and underwriting vary by area.
35) Will rural driving near Twin Falls change anything?
It may affect pricing and roadside response times.
36) I rent cars at Boise Airport—any tips?
Consider the rental damage waiver; non-owner won’t cover the rental car itself. Quick quote: Get My Quote.
37) Should I file a small claim after a minor bump?
Call us first—small claims can affect pricing/eligibility; sometimes self-pay is smarter.
37) Should I file a small claim after a minor bump?
Call us first—small claims can affect pricing/eligibility; sometimes self-pay is smarter.
38) What documentation helps a claim in Nampa or CDA?
Photos, witnesses, police report (if applicable), rental agreement details, and receipts.
39) Can you coordinate with the rental company after a loss?
We’ll help you understand steps and coverage. Reach us: 888-445-2793.
40) What happens when I buy a car?
Tell us the VIN and garaging address; we’ll convert you to a standard policy, add comp/collision if needed, and keep any eligible discounts.
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Last Updated on by Shawn Christie