Non-Owner Car Insurance:
This type of policy provides liability coverage when you’re driving a vehicle you don’t own, such as a rental or a friend’s car. It covers bodily injury and property damage you may cause to others in an at-fault accident but doesn’t cover damages to the vehicle you’re driving or your own injuries.
- Average Cost in Colorado Springs: Approximately $316 annually, slightly above the state average of $282.
 (MALE, SINGLE, 20’s, 80909 COLORADO SPRINGS CO) |
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| Year/Make Model: NONE |
| Ownership Status: NA |
| Discounts: PAPERLESS AND AUTOPAY |
| Selected Coverages with MENDOTA |
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| Bodily Injury Liability: STATE MINIMUM |
| Property Damage Liability: STATE MINIMUM Uninsured Motorist Coverage: REJECTED |
| Comprehensive and Collision: REJECTED |
| Other Rejected Coverages: UNDERINSURED MOTORIST COVERAGE, RENTAL, TOWING |
Our client needed an SR22 filing with their auto insurance, but there was one trick. They did not own a vehicle! How do you get insurance without a car to insure? Well pretty easy it seems. We found a rate with a company that could help him keep his license.
The DMV can help you answer how long you need to keep your SR22 filing, but that is not what is making your rate high. In many instances the fee is only $25.00. It is the violations that raise the rate.
Total 6 Month Premium: $502.10
Monthly Installments: $97.15
Broad Form Insurance:
Broad form insurance covers the driver rather than a specific vehicle, providing liability coverage regardless of the car operated. It’s often more affordable but comes with limitations, such as not covering damages to the vehicle driven or personal injuries.
- Ideal For: Individuals who frequently drive multiple vehicles they don’t own and seek a cost-effective liability solution.
- Considerations: This policy doesn’t cover passengers, other drivers, or the vehicle’s damages. It’s essential to assess whether this limited coverage aligns with your driving habits and risk tolerance.
Local Insurance Agencies in Colorado Springs:
- A Plus Insurance: Specializes in broad form insurance policies, offering personalized quotes to fit various needs. Learn and Serve
- The Insurance Stops: Provides a range of services, including non-owner insurance and assistance with SR-22 filings. theinsurancestops.com
Recommendations:
- Assess Your Driving Habits: Determine how often you drive vehicles you don’t own to choose the appropriate coverage.
- Compare Quotes: Reach out to multiple insurers to find the most competitive rates and suitable coverage options.
- Understand Policy Limitations: Ensure you’re aware of what each policy covers and excludes to make an informed decision.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
