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Do I need a non owners car insurance policy if I'm listed as a driver on a liability policy of my dad's car?
I'm listed as a driver on my dad's car insurance policy, and I'm the only person who uses the car. However, I wanted to remove the burden of the insurance policy by getting my own non owners car insurance policy. Can I do this?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“No, you can’t have only a
non owners car insurance
policy on a vehicle if it’s available for regular use.You’ll need to keep at least state-minimum
liability coverage
on the car, which you should already have as a driver on your father’s policy.If it’s a financial burden for him to maintain the policy (or just a nuisance), you can find out if you qualify for any discounts with you and your dad’s current carrier. Alternatively, you two can shop around for quotes and switch over to a cheaper policy.
If you want to save money on car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. “View full answer
- Gregory R.
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