Glossary term
Continuous coverage
Continuous coverage: An unbroken insurance history; gaps raise future premiums.
Where this term matters
Guides and entries on this site that use the term.
Guide
Who Needs Non-Owner Car Insurance
The situations where a non-owner policy makes sense: frequent borrowers, drivers maintaining coverage history, SR-22 filers without a car, and people between cars.
Entry
Selling Your Car and Not Replacing It Yet? Avoid the Coverage Gap
Why a lapse in coverage raises future premiums, how long a gap matters, and how a short non-owner policy bridges it.
Entry
Non-Owner SR-22 vs. FR-44: Statutory Rules, Limits, and Filings
Understand the differences between non-owner SR-22 and FR-44 insurance certificates, mandatory liability limits, filing durations, and reinstatement rules.
Entry
Whose Insurance Pays After an Accident in a Borrowed Car?
Discover how primary and secondary insurance interact when you crash a borrowed car, how permissive use operates, and why non-owner coverage protects your assets.
Entry
How Insurers Calculate Non-Owner Car Insurance Rates
Learn how insurance companies price non-owner car insurance, which driver rating factors matter most, and how to shop quotes to lower your annual premium.