• Do I need rideshare insurance?

    • Obviously, if you don’t drive for Uber, Lyft, or another rideshare company, you don’t need rideshare insurance. But if you drive as your full-time job or just to make ends meet, supplemental rideshare insurance may be valuable.
    • Rideshare trips are divided into “periods.” Period 1 is when the driver has the rideshare app open but hasn’t matched with a passenger; Period 2 is when the driver and passenger are matched but the passenger hasn’t been picked up; and Period 3 is when the passenger is in the car. Rideshare companies provide coverage throughout, but especially during Period 1 this coverage can be limited.
    • Rideshare insurance is offered as an add-on to a driver’s existing personal policy and bridges the gap in coverage during Period 1 (and, sometimes, offers more comprehensive coverage in Periods 2 and 3). Many popular auto insurance companies, like Geico, USAA, and State Farm, now offer rideshare insurance.

  • Do I need car insurance if I don’t have a driver’s license?

    • You likely need auto insurance before you drive, but if you don’t have a license, you may find yourself in a situation where you need insurance.
    • If you employ drivers, have a teenage driver, are currently trying to get your license, or even own vintage automobiles that need some level of protection, you may need car insurance.
    • However, you may need a license to buy insurance. You can get around this by including a principal or primary driver on your policy until you get your own driver’s license.

  • Can I get car insurance if I don’t own a car?

    • Yes. Most car insurance companies offer what’s known as non-owner car insurance policies. These policies usually don’t cover collision or comprehensive coverage, but offer standard liability coverage and may let you add medical and underinsured/uninsured motorist protection.
    • If you don’t own your own car but still drive often, either by borrowing cars, renting cars, or using services like Zipcar, non-owner car insurance can be an affordable option.

  • Do I need different insurance for other types of vehicles?

    While your standard auto insurance policy will cover your car, you may need different types of insurance if you have different types of vehicles. Commercial trucks, motorcycles, ATVs, and RVs all require their own insurance, which can be purchased from most popular insurance companies.