Can I insure a car if I don’t own it?

In the State of Illinois, drivers are required to own auto insurance. However, with the rising arrangements of shared vehicles, some people may be driving vehicles they don’t own. This raises the question if one can insure a car they don’t own? The answer is yes.

There are multiple ways for non-owners to get insurance. One way is to add the car owner to your policy. Insurance carriers normally evaluate the applicant’s stake on the car (insurable interests); owners are, by default, deemed to be in the best interest of the car. But, this is not the case for non-owners, so adding the actual owner to your policy may increase your chances of getting insured.

Another way to get insured is to add your name to the owner’s policy. Most auto insurance coverages will cover the owner and household members. There are instances when others, like friends, may be covered by insurance. This is because the car is normally the one followed by the insurance and not the driver. The best way to get this cleared is to ask your insurance provider.

The third way is to get a non-owners auto insurance policy. This coverage is for those using cars they don’t own sparingly. The policy normally provides the minimum insurance required like the liability coverage. Sometimes, this may be added to the original policy of the vehicle.

Another alternative is to add your name to the title or co-title with the owner. This will help you gain insurable interest and may increase your chances to be approved for coverage. For more information, get in touch with a number of insurance companies to verify your options.

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