Non Owners Auto Insurance Tempe, Arizona AZ

Reader’s Question:

My daughter has car insurance now in Tempe AZ and she has a clean driving record. She wont be driving her car for the next year. She is selling her vehicle, and she is worried that she will be put into high risk if she goes without insurance for that long. What will happen to her auto insurance?

Reed

Tempe, AZ

Sometimes when you have had a lapse in your car insurance coverage it may not be easy to acquire decent car insurance rates when you decide to get auto insurance again. If you have prior insurance this can give you a discount on a new auto insurance policy.

So your daughter would likely lose some auto insurance discounts, such as renewal discounts or good driver discount if she has no insurance company for a year or so. Some car insurance providers will not sell you an insurance policy without at least 6 months prior insurance in Tempe.

Your daughter may want to consider getting a non-owners policy during the time in which she does not own a vehicle instead of removing her car insurance completely. This way she will have continuos car insurance on herself. A non owners policy would provide your daughter insurance coverage while driving a friend’s borrowed vehicle. The non owners policy would work as secondary liability coverage if she was in an accident and the damages extended over the vehicle owner’s limits.

 

Tags: Car insurance discounts, non owners insurance

 

Vehicle Insurance Tucson, Arizona AZ

Reader’s Question:

Do I need a title in order to get car insurance on my vehicle in Tucson? How about the bill of sale?

Duncan

Tucson, AZ

You will need to prove that you have insurable interest in a car normally through either being the individual on the registration and/or title of the vehicle you are trying to insure. You will need a bill of sale when you go to your state’s Department of Motor Vehicles to register and obtain license plates for the car.

Most insurance providers require that you have an insurable interest in order to be able to insure a vehicle on your motor vehicle insurance policy. Some insurers require that your name appear on the registration or title in order to be able to buy a car policy in your name.

Tags: auto insurance