Surround Experts

To buy non owner auto you need four things: 1) Personal information like address and phone number 2) your drivers license 3) a means of payment and 4) a description of what kind of driving you want to cover.

Surround Insurance is a non owner car insurance specialist. We're delighted to be Nerdwallet's exclusive insurance provider on their nonowned auto pages.

Many of the insurance companies in Massachusetts don't write non owned auto policies. Call or text us at Surround and we can set you up with an agent who will get you the policy you need in no time.

Personal non owner auto insurance is not right for: long term rentals, car rental subscriptions, coverage for a specific car, or driving for a delivery service or another commercial purpose.

Most auto insurance companies give discounts of 10-30% if you've been continuously insured for 6 months or more. If you don't own a car, buying an inexpensive non owner auto policy keeps you continuously insured and gives you liability protection when you borrow or rent a car.

Build an insurance history with an inexpensive non owner auto policy before you buy your first car and you may see a 15-30% discount on your car insurance when you do get your car.

So, you don't own a car and you're trying to buy an umbrella policy, but the insurance company says you need an auto insurance policy first. What do you do? You need to get non owner auto insurance.

Non owner car insurance doesn't cover the car you're driving. Here's why not and what to do.