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I'm Seann McWhorter, agency principal of Insure Right Insurance Agency located in Lehi, Utah.
We're here to talk about insurance ins and outs, and specifically how to buy non-owners
auto insurance. First let me explain to you what non-owners auto insurance is. Non-owners
auto insurance is a policy that can be purchased by an individual that will provide them public
liability protection when they do not own a car. So when will you need non-owners auto
insurance. Usually it's when the state requires that you carry a liability insurance, and
you've been asked to provide an SR-22, but you do not own a car. And the only way that
you can get your driving record cleared is to purchase non-owned auto insurance with
an SR-22. Generally speaking, your premiums are going to be a little bit higher than what
you would if you actually had a car because they're not underwriting any particular vehicle
as is.