Don't own a car? Non-owner. Own a car? Owner. It's almost always that simple — but the details matter.
Some situations aren't obvious. Here's how to handle them.
If you own a vehicle but plan to keep it parked and not drive it during your FR44 period, you may qualify for a non-owner policy. Call us — there are a few specifics to work through, but it can save you significant money.
Interlock companies require proof of an FR44 Owner policy before they'll install the device. A non-owner policy won't satisfy them. If an interlock is required, you need an owner policy regardless of your situation.
If you're still making payments, your lender almost certainly requires full coverage — not just liability. Your FR44 owner policy should include comprehensive and collision to stay in compliance with your financing agreement.
A non-owner policy covers you when driving vehicles you don't own — including family members' cars (with some nuances). It acts as secondary coverage after the primary insurance on that vehicle. Perfect for this situation.
Leave your info and we'll call you — we'll figure out the right policy type in under 5 minutes.