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Should I buy non-owner car insurance if I move abroad for a year?
I currently have a lease on a car, but I'm returning it to the dealership as I'm moving abroad for a year. I heard that my car insurance will technically "lapse" as I won't have a car. Should I buy non-owner car insurance to cover the "lapse" period and maintain decent rates when I return?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you’re turning your leased car back in and canceling your existing insurance, you’re correct. Your insurance will lapse.
You present a valid point by questioning whether or not to buy
non owners car insurance
. It can be a good way to avoid higher rates in the future for not having continuous coverage. The longer your lapse, the more your rates may rise. Going a full 12 months without coverage could result in drastically higher premiums when you return to the US. Some insurers won’t even sell policies to drivers who don’t have six months of prior coverage.
Since non owners car insurance costs significantly less than a standard auto policy, it may be a good option for you. To get the best rate possible, shop around and get quotes from mulitple carriers.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. This free app can collect quotes from up to 45 top insurance companies in seconds!”View full answer
- Gregory R.
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