What insurance do I need to be insured no matter what car I drive?

If you are looking for car insurance that will cover you no matter what car you drive, you will need a non-owner car insurance policy. Non-owner car insurance is a type of policy that provides liability coverage for drivers who don't own a vehicle but still need coverage. This policy will cover you when you are driving someone else's car or a rental car, but it does not provide coverage for physical damage to the vehicle. Non-owner car insurance is designed for people who frequently rent cars or borrow cars from friends or family members. This type of policy will provide liability coverage for bodily injury and property damage caused by an accident while driving someone else's car. Liability coverage is the most basic form of auto insurance and is required by law in most states. It's important to note that non-owner car insurance policies do not cover the car you are driving, only the liability coverage for damages you may cause to others. If you are driving a rental car, the rental company may offer you additional insurance to cover physical damage to the car, but this is separate from your non-owner car insurance policy. It's also important to keep in mind that non-owner car insurance policies may have certain limitations, such as coverage limits or exclusions for certain types of vehicles. You should always read your policy carefully and ask your insurance provider if you have any questions about your coverage. To purchase a non-owner car insurance policy, you can contact an insurance provider directly or work with an independent insurance agent. The cost of the policy will depend on a variety of factors, including your driving record, age, and the amount of liability coverage you choose. In summary, if you are looking for car insurance that will cover you no matter what car you drive, you will need to purchase a non-owner car insurance policy. This type of policy provides liability coverage for drivers who don't own a vehicle and need coverage while driving someone else's car. However, it's important to understand the limitations of these policies and to read your policy carefully to ensure you have the coverage you need.