If you don’t have a car, then you probably think to yourself that you don’t need to have auto insurance in Collierville, TN. Without a car, you can get non-owner car insurance with Brock and Poole Insurance Agency, so if you ever have to drive a car you will be covered.
You should have this type of policy if you rent cars frequently, or use car sharing services. It’s also helpful if you are borrowing others peoples’ cars. This would cover you if the costs of any damage caused exceeds the owner’s liability limits, so you aren’t on the hook for the remainder. If you are between cars and want to get car insurance later, having this type of insurance can help you save on premiums since going without coverage can make you look risky. If you will be owning a car soon, then get this policy, and once you get a car call your agent and switch to regular coverage. If you live with the people whose cars you are constantly driving, such as your parents, then this policy wouldn’t make sense and you should be listed as a driver on the other policy.
The cost of the policy is less than you would expect. Its price can depend on how often you plan on driving and how old you are. The plans will typically provide liability coverage and some will include medical coverage for yourself. This type of insurance won’t cover collision or comprehensive costs, so repairs on the vehicle won’t be covered. You may also have the option for uninsured motorist coverage, to help if you are in an accident with a driver who doesn’t have insurance.
Contact an agent at Brock and Poole Insurance Agency serving Collierville, TN to discuss your options for non-owner car insurance, and see if this policy is the best fit for your needs.