For drivers who do a lot of traveling around the country on business, the cost of renting a car at each new city can quickly get expensive. Since most insurance policies don’t cover rental vehicles, drivers must get special insurance to cover their rental car. For drivers who don’t have a business expense account, or who have to pay for renting a car out of pocket, the cost of insuring your rental car through the rental agency adds up to make your car rental one of the most expensive parts of traveling. Drivers who rent a lot of cars and who want to save money should consider taking out a non-owner auto insurance policy through their automotive insurance company. Drivers who use company cars, or who frequently borrow someone else’s car, should also want to consider getting a non-owners insurance policy.

Non-owner policies provide similar coverage to what you receive through the rental agency but at a significantly reduced rate. Depending on the insurance offered by the rental agency, you may only be covered for the damage you cause to another person’s vehicle, and not covered for the full cost of repairing the damage done to the rental. Non-owner auto insurance polices fully protects drivers should they get into an accident when driving a rented vehicle, and eliminates the concern of a driver not having enough coverage.

Drivers who use a company provided vehicle should also consider getting a non-owner auto insurance quote to determine if they can save their company some additional money. Adding non-owner insurance coverage to your company’s existing coverage would also ensure that you were protected in case your company’s insurance wouldn’t cover the full cost of an accident.

Drivers who don’t own their own vehicles, but routinely borrow a family member, friend or significant other’s car should also seek to obtain a non-driver policy. The insurance of the person that owns the car only covers the vehicle from damage when they are in the vehicle. If you get into an accident when driving their car alone, their insurance would not pay to have the car repaired, or cover any damage you may have caused to another vehicle. To ensure your financial and legal protection, you need to have your own insurance policy when you drive someone else’s car.

Non-owner polices are offered by every major insurance company, and you can find a quote online in as little as 15 minutes.