When you need auto insurance, you might call an agent for a quote. When you call, the agent will likely ask you some questions before offering you a quote for coverage. Before you call for insurance, though, you might want to learn about some less-common types of auto insurance coverage you can buy. Read on to learn more about the less-common types of auto insurance coverage you can purchase.

Non-Owners Insurance

Have you ever heard of non-owner car insurance? If not, do not be surprised. Most people have never heard of this, and many people do not know what it is. A non-owner car insurance policy is a plan that you can buy if you want insurance coverage without owning a vehicle. Suppose that you decide to live without a car for a while. If you cancel your auto insurance policy, you will have no coverage. When you try to reinstate your insurance policy, the company might charge you higher premiums because you currently do not have coverage. Having a non-owner policy protects you from the premium increases caused by a gap in coverage. It also protects you if you borrow a car during this time.

Mechanical Breakdown Insurance

The second type of coverage you might not know about is mechanical breakdown coverage. If you own a car that does not have a warranty, you might want to consider adding this coverage. Mechanical breakdown insurance works like a warranty, in a sense. If your car breaks down from some type of major mechanical issue, your insurance policy covers the repair costs. These policies have specific coverages, though, and they do not protect you from all car problems you might experience. However, they do protect you from any major issues, such as engine problems or transmission issues.

Gap Coverage

Gap stands for guaranteed auto protection, and it is an insurance type that people need for brand-new vehicles. Gap coverage only kicks in to help you if you total your car. When a person totals their car, they might end up owing money to their lenders for the deficit. The deficit is the difference between the amount you owe on your loan and the amount the insurance company gives you for your car on the day you totaled it.

If you are interested in learning more or purchasing any of these coverage types, talk to your auto insurance agent today. These agents will help you determine the best coverage for your needs.