If you don't own a car or make payments on one, you don't need auto insurance. Right? Technically, yes. But even if you don't own a car, you could very well find yourself in a situation where you need auto insurance.
According to DMV.org, if you frequently borrow someone else's car, rent a car for 10 or more days a year, or drive a commercial vehicle (for commercial purposes only), having some insurance coverage could be a smart thing to do. Though you likely won't need a comprehensive policy, you could use an auto policy that caters to the needs of a non-owner driver.
If you're not specifically excluded on your friend's auto policy and no other exclusions apply, you would be covered under your friend's auto insurance for most coverages. Keep in mind though, if you wreck your friend's car they'll probably want you to help out with the cost of their deductible.
Luckily, a non-owner car insurance policy can often be much more affordable than standard coverage. In fact, it could actually be more affordable than the basic insurance drivers are offered when renting a vehicle.
Also, if you often borrow a friend's car, or allow them to borrow yours, you may want to consider being added to their policy or vice versa.
Call a Direct agent today at 1-877-463-4732 to see if a non-owner auto policy is right for your situation.