A gay friendly non owner SR22 policy is an excellent option for insurance for those who don’t own their own vehicle, but who still have to drive from time to time, or for people who regularly rent cars for business. If you’re a chronic renter, buying a non owner policy can actually come out cheaper than constantly having to purchase insurance every time from the rental company.

A non owner policy is not very expansive, and for your gay friendly non owner SR22 you will only be able to purchase liability insurance and no fault insurance if you live in a no fault state. This is why you need to be careful about the cars you drive and make sure they are already insured by the owner. If you get into a car accident, then their coverage will kick in first and yours will when theirs runs out.

Gay friendly non owner SR22 policies also cost a lot of money. They have higher rates because of the lack of a car to factor in when rating. There are still ways you can save through discounts, such as by combining your coverage with other insurance policies and taking a defensive driver class. Call your company to find out what else you’re able to do.