A non owner SR22 insurance policy is designed to provide you with liability insurance coverage while you are driving someone else’s vehicle because you do not own a vehicle yourself. It will not cover you if you drive a car that belongs to a family member that lives in the same household. For example, if you want to drive your dad’s car and you live with him, your non owner policy will not cover you if you get in to an accident.

If you do not live with the family member, the rules may be a bit different. I would have the family member call their insurance company to see if you would be covered if you drove their car just to make sure. Also, make sure you do not drive someone’s car that has no insurance at all. A Connecticut non owner policy is designed to be a secondary insurance for any excess that might need to be covered in case of an accident and will not provide enough coverage if it is the only insurance being used. The insurance on the vehicle you are driving would be primary.

Cheap Connecticut Non Owner SR22 Insurance!

Since you live in Connecticut and filing for a SR22, then you are required to have liability coverage for your car. If you don’t own a car, then you must purchase a non owners SR22 insurance policy. The amount below will specify exactly the amount of coverage you need.

Bodily injury liability: medical costs, etc., covers death and recovery expenses.

·  $40,000 per accident

·  $20,000 per person

Property damage liability: covers damage done to property.

·  $10,000

This is just the minimum comprehensive and collision insurance coverage that is required for a SR22 in Connecticut. The comprehensive part of the insurance covers you if you car is stolen or broken in to, collision covers you if you crash or crash into someone else.

 Free Connecticut SR22 Quotes!

Every situation is different and every person is different, so there is not one set answer for this question.  It is always a good idea to compare quotes from other auto insurance companies before you renew your policy to make sure you are not paying too much for your SR22 insurance.  Just because your company had the best rate when your policy started, does not mean they have the best rates now.  Your insurance company may still have the cheapest rates, they may not.

It is up to you to do your research to make sure you are getting the best rate possible on your SR22 insurance policy. I would recommend getting at least 3 SR22 quotes from insurance companies in the Hartford, Connecticut area.  This should give you an idea of whether or not you should stay with your current insurance company or switch over to another one.

FREE SR22 Quotes!