Houston Non Owner SR22 Car Insurance Quotes
Q: What is non owner SR22 insurance in Houston TX?
A: Car insurance doesn’t always fall on the shoulders of the car owner as a responsibility, and so in many cases someone will need to get non owner policy when they don’t own a car but drive someone else’s. Even though most of the time if you drive another person’s car, their insurance will cover you, you have the burden of proof that you are protected on the road when you go to get your driver’s license reinstated.
You may even own your own vehicle, but need a non owner insurance for the car your drive at work. Once you get a non owner policy, your rates will go up somewhat. Non owner policies are priced higher because the car in the equation is an unknown quantity. You could be driving a Porsche or a Honda, the car insurance company doesn’t know. You are also only able to get liability coverage. In many cases you can still get a discount, so ask and see what is available to you.
Of course you mentioned SR22, which is probably for a DUI or suspended license charge? You will have a much harder time finding good rates with that! You are like a sub-prime home loan…nobody wants to insure you, so you will have to call around but I bet you will only find a handful of carriers that are willing to take you…sorry to say.
I mention these a lot on this site, but will share them again. These are just a few of the most popular discounts.
1. Military personnel both active and retired
2. Good grade students – even just being a college student in some cases will give a discount
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance – although this doesn’t seem to help much anymore, but might be worth your time and expense
6. Clean credit history – used by many carriers to determine payment risk and payment timeliness
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