 35 Year old Male, Single, MS 36601 |
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| Year/Make Model: Mississippi Non-Owners |
| Ownership Status: Non-Owned |
| Discounts: Paperless |
| Selected Coverages With Dairyland |
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| Bodily Injury Liability: $25,000 / $50,000 |
| Property Damage Liability: $25,000 |
| Uninsured Motorist Bodily Injury: Rejected Comprehensive: N/A Collision: N/A |
| Other Rejected Coverages: Uninsured and Underinsured Motorist Property Damage, Medical Payments, Roadside Assistance |
35 Year old Single male with a Non-Owners Mississippi Policy. There is also an out of state SR22 for Oregon on this policy. He had one ticket for a violation license restriction last year that also impacted his rates for the non owners. That ticket had 5 points that impacted also his license. There was no other additional coverages added besides what was required for the state of mississippi. The liability limits also met the requirements for the SR22 in Oregon.
Total 12 Month Premium: $751.92
Non-owner car insurance in Mississippi provides liability coverage for individuals who drive but don’t own a vehicle. This type of policy covers bodily injury and property damage you may cause while operating a borrowed or rented car.
Monthly Installments: $62.66
Factors Influencing Rates
Premiums for non-owner car insurance are influenced by several factors, including:
- Driving Record: A clean record can lead to lower rates, while violations may increase premiums.
- Age and Gender: Younger drivers and males may face higher rates due to statistical risk factors.
- Location: Urban areas with higher traffic density can result in increased premiums.
When to Consider Non-Owner Insurance
Non-owner car insurance is suitable for individuals who:
- Frequently Rent or Borrow Vehicles: Regular drivers of cars they don’t own can benefit from this coverage.
- Need Proof of Insurance: Required for license reinstatement or to avoid coverage lapses.
- Desire Continuous Coverage: Maintaining insurance history can prevent higher rates in the future.
Limitations
It’s important to note that non-owner policies typically do not cover:
- Damage to the Vehicle You’re Driving: Collision and comprehensive coverage are usually excluded.
- Personal Injuries: Medical payments or personal injury protection may not be included.
- Regular Access to a Specific Vehicle: If you have regular access to a particular car, a standard auto policy may be more appropriate.