A named operator policy is a way for drivers who do not own vehicles to have at least state minimum liability auto insurance coverage. It also works for drivers who are trying to get their drivers license back, and need either an SR22 or an SR50 state filing. A Named Operator's policy (AKA Non-owners policy) can be purchased online fairly easily if you search in the right places. But before you buy a named operator auto insurance policy online, you need to be aware of what it does and doesn't cover. This article will explain what you need to know, so you won't have any unpleasant surprises later on.
What a Named Operator Policy Covers:
What a Named Operator policy does NOT cover:
I need an SR22 / SR50 filing but my current auto insurance company doesn't handle them. Can I keep my current policy active, and buy a named operator policy just for my SR22 or SR50 requirement?
Yes. Although it is normally cheaper just to combine them into one policy with a company that does handle state filings. there are exceptions to where carrying two separate policies is a better idea. This is especially true for homeowners who have their auto policy bundled with their homeowners policy.... Since a named operator policy is much cheaper than a regular auto insurance policy, sometimes it comes out better.
I don't own a car now, but plan to buy one very soon. How will this affect my policy?
When this happens, you simply need to call your agent, and add a vehicle to the policy.... This automatically converts a named operator's policy into a regular auto insurance policy. It only takes a five minute phone call to change it. But be sure to do that before you drive the new vehicle, because coverage won't apply until you call and change it.
What's the best way to buy a named operator's policy online?
The best way is to contact an independent agent that has multiple companies to quote you with. This way, one quote request can get you multiple quotes at once. This is a lot more efficient than getting a quote with one company at a time.
If you would like help finding a named operator's policy, I would be more than happy to help. Simply click on the link below and fill out the short quote form.... I will then compare prices with several companies and find you the one with the best rate. And as always, I handle all quotes personally and privately.
Get an Named Operator Auto Insurance quote with Lyles Insurance
Related Blog Articles:
Video: Basics of a Named Operator Policy
Video: Named Operator Auto Insurance with an SR22 Filing
Video: Buyer's Guide: Indiana SR50 Auto Insurance
Indiana Named Operator Auto Insurance Policy: Key Points to Know
Buyers guide for buying an Indiana SR50 or SR22 auto insurance filing
What is a Named Operator (aka non-owner) Auto Insurance Policy?
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..