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Auto insurance tip #3. Here are some of the auto insurance coverages that might be available in your state: Your deductible is what you agree to pay out of pocket when you use your car insurance. In general, the higher you set your deductible, the less you'll pay for your policy. And conversely, if you set your deductible low, you'll pay more for your policy, but less when you have a claim.
Usual cost of nonowner car insurance. Nonowner car insurance typically doesn't carry a deductible, says Moore. Premiums can be very low, based on your driving record and the amount of driving you do, he says. Normally the minimum premium is about $250 for six months or even a year, says Visco.onowner car insurance provides protection for an accident when you're at fault, so it covers the other driver's car, but not yours, and the other driver's injuries, but not yours, he says. The policies generally don't include comprehensive or collision coverage for damage to the car because you don't own the vehicle.