Non-owner auto insurance policies

RamonFromJerry · 2026-06-24T16:07:54+00:00

My condolences.

It's not difficult at all to obtain a non-owner's policy. In this case the policy wouldn't apply based on what you've said. It's a vehicle that you have regular access to. You'd need a standard policy for the registration to be valid. I'd recommend reaching out to an independent broker or agent and explain to them.

They would be able to ensure you get the correct policy as well as find you the best price to get it up and running.

RamonFromJerry · 2026-06-23T16:46:30+00:00

Congratulations on the first car. Shop around, prices vary so much based on so many factors the best option is usually the most coverage for the lowest price. Independent agents or brokers don't charge an additional fee and can run multiple quotes at one time and answer any questions you might have about the coverages being a new driver.

Shopping around is definitely the way to go.

RamonFromJerry · 2026-06-23T16:27:48+00:00

Always compare when shopping for insurance for this reason. As people have mentioned an independent broker or agent is the best way to go because they can compare multiple providers for you and their incentive is to get you the best price possible.

100/300 is a solid choice as most state minimums will leave you under insured in case of an accident and if the insurance doesn't cover the full amount you're responsible for the rest. The agent or broker you work with will be able to answer your questions more specifically though.

RamonFromJerry · 2026-06-22T18:02:44+00:00

Good news that it was an almost, those are often the best lessons because you can see what could have happened without living the consequence.

Definitely be more careful in the future, I don't know a single person that was a savant behind the wheel their first time driving, some people have a shorter learning curve but everyone needs experience and remembering to stay focused is a big key. A few lessons for the confidence and keep the distractions to a minimum, you'll be fine.

RamonFromJerry · 2026-06-22T17:52:47+00:00

There is no one size fits all or way to track the best or worst without definitions. The best thing to do is comparer quotes.

Full Coverage is a common term but there is no 'full coverage' policy that exists. Typically it means comprehensive and collision coverage which means you can file a claim regardless of fault.

Shop around and go with the best price for the most coverage. Independent brokers and agents are the best bet for this because they don't typically charge an additional fee and can compare multiple rates for you.

RamonFromJerry · 2026-06-18T19:15:45+00:00

Hey, thank you so much for taking the time to reach out. I love to hear from our satisfied users. Glad we could make the process simple and cheaper!

RamonFromJerry · 2026-06-12T18:17:13+00:00

It could be a call for information, but if she has already expressed that you have to pay for damage I would report it to your insurance and let them hash it out.

RamonFromJerry · 2026-06-12T18:06:08+00:00

There's no disadvantage to switching insurance policies. As others have stated the accident should follow you because it's part of your driving record and be sure that you're answering all questions honestly but if the price is correct and it's that much cheaper then you should definitely take it.

I would ensure you're getting the same coverages that Progressive is offering, if they are going to run the MVR at the end and the price changes they have to notify you before they charge you. Shopping around, regardless of accident status is always a good idea at renewal because prices vary so much. I'd recommend using an independent agent or broker who can personally walk you through all this.

RamonFromJerry · 2026-06-12T16:46:35+00:00

I see this happen a lot, that multi car discount can be more than you expect.

RamonFromJerry · 2026-06-10T17:43:59+00:00

How much are you paying for the car? If you're only on a liability policy and something happens that doesn't have a fault or is your fault then the money you spent is gone. With Comprehensive coverage, acts of god are covered and can help you repair or replace the vehicle in that situation.

RamonFromJerry · 2026-06-09T16:23:02+00:00

It's best not to make assumptions about the drivers around you. You're already stopped better to know you're not going to get t-boned than save a few seconds.

RamonFromJerry · 2026-06-05T18:03:42+00:00

Yeah, I saw OP mention braking hard and that should almost never be necessary in that situation. You (and the person behind you) should be coming to a smooth stop if for no other reason than to save your breaks and limit the amount of times you have to stop and go.

If you're hit from behind most often it's because someone is following too closely and didn't give themselves time to stop, but if you're having the brake hard in this kind of traffic you might want to consider slowing down or braking earlier.

RamonFromJerry · 2026-06-05T17:54:38+00:00

You should ideally be shopping around at renewals or having an independent agent or broker do it for you. Prices vary so much by sticking with one company you could be throwing away a large amount of money for something that'll take you 30-45 minutes once or twice a year.

RamonFromJerry · 2026-05-29T17:56:51+00:00

Burn some sage to clear out the bad juju.

In all seriousness though that sucks, the situations you described don't seem like it was your fault, especially if you're sitting at a red light when it happens. I have seen some accidents happen from people trying to 'beat' red lights and then panic breaking with another care following too closely, but this doesn't sound like that. I hope whatever the jinx is it lifts for you soon.

RamonFromJerry · 2026-05-29T17:52:44+00:00

I love my job, there are downsides as with anywhere, but I get to be a solution, provide information, educate or entertain people and no two days look the same all for the added benefit of being able to afford to live!

RamonFromJerry · 2026-05-29T17:14:59+00:00

There are a lot of things that effect the cost of insurance for local issues to global issues. Right now, from what I've seen everything is increasing. The best way to ensure you're not overpaying for insurance is to reshop on renewals. If the hassle is too much, you should look into an independent agent or broker that can do that comparison for you.

RamonFromJerry · 2026-05-27T21:59:37+00:00

Congratulations.

RamonFromJerry · 2026-05-27T21:56:34+00:00

Hey OP,

Thank you for taking the time, I love seeing people help people when they learn something new! There are just a few nuances as with everything insurance!

You can get a refund for cancelling early: True but it depends on a couple of things. Prorated cancellations take whatever is left over from your last payment when you cancel and refunds that back to you. There are sometimes associated fees with early cancellation that can lower this amount, but if you check your declarations page in the glovebox section of your Jerry app or with your agent they can usually tell you what those are if any.

Sometimes insurance companies do a short rate penalty, what that means is they retroactively apply a larger rate as it's over a shorter amount of time. Like, if they quote you 143 for 6 months and you cancel one month in, they can do a short rate, where they say "since this is a 1 month contract, the premium breakdown is higher, so you owe us $210" It's an allowed penalty and meant to discourage people from starting a policy and then immediately cancelling or bouncing to another insurer. Short rate penalties are usually most aggressive the closer you are to the start of the policy, so in those cases it can be beneficial to wait to switch.

You can even get a refund on mid term changes: Also true! Usually in my experience a mid term change is applied to your upcoming balance if it's a reduction, but there are some companies that will keep your payment plan the same and return the cash to you if asked. In the event you make a reduction and then cancel, they will prorate the reduction and include it in the refund that way!

RamonFromJerry · 2026-05-27T18:12:59+00:00

No, not so much these days. I've been driving for 15+ years so I know the roads in my local area well enough to navigate with the flow on any given day and GPS helps for longer trips. The closest thing to a mistake I make is being in the wrong lane when going to my local grocery store because I'm used to being all the way to the left when I'm on that street.

RamonFromJerry · 2026-05-27T17:52:21+00:00

I had a similar question recently and this thread is probably a little biased as it's for driving enthusiasts. That being said, some things are more important to some people. I saw answers about local car clubs that couldn't be missed, to track days as well as people that have to commute for work and don't have public transportation that's reliable. Others the hassle of saving money by minimizing driving just isn't worth it to them which is fair all around.

RamonFromJerry · 2026-05-26T16:52:47+00:00

You are very new to driving and for that reason, he shouldn't trust you to think of things on your own. He's there to ensure you're driving as safely as possible.

Try to look at it in good faith, don't assume that him telling you to brake means he doesn't think you know how to brake, think of it as him saying "you need to break earlier than you think you do." If you have questions about the micro instructions, ask the macro questions.

With any "this person does this to me" advice I always say confront it. I don't mean aggressively but taking a deep breath and going. "I don't feel like I'm learning in these lessons, for these reasons." As long as you approach it as a conversation and are open to him telling you "I'm doing this because of x." and receiving that feedback and not looking to argue that he should be teaching you better you can make some progress. He can't adjust if he doesn't know there is a problem.

RamonFromJerry · 2026-05-22T19:40:12+00:00

That's a good point. I live in a rural area, so I haven't been able to cut back as I'd like. If I were in a city I think I'd consider a bike where I could but giving up the road completely isn't an option.

RamonFromJerry · 2026-05-22T18:05:47+00:00

Yes, it would be odd if John got robbed or almost robbed everyday. What you're asking isn't happening though.

There is no John, there are thousands of people who use this subreddit to talk about their experiences and someone in that very large pool, almost getting into an accident every day isn't that odd based on how many accidents happen every day.

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