Affectionate-Buy2539 t1_j1ii63n wrote on December 24, 2022 at 5:12 PM

I'd suggest make a list of everywhere you go during the week and on the weekend and then in the next column list how far each of those places are from where you live. In the third column write in minutes what walking/public transit would take.Live in JC with no car (sometimes get a zipcar for huge pantry restocks/grocery hauls) and it's just fine--but definitely depends on what your key activities are and how easy they are to get to. Like if you would be miserable without it for your 10% of activities, then you need to determine how much of a deal breaker that is (or if it's not actually a deal breaker).

hourlongflyer OP t1_j1ikgf4 wrote on December 24, 2022 at 5:29 PM

Good suggestion, we will trying to make one

shubhamjain2000 t1_j1kbwyn wrote on December 25, 2022 at 1:32 AM

How does insurance work for Zipcar? If we don't have a car will the secondary insurance provided by Zipcar acts as primary? Or we need to get some other insurance.

ABrusca1105 t1_j1l3dt9 wrote on December 25, 2022 at 6:18 AM

Zipcar basically gives you minimum liability. I carry non-owner insurance for that, continuous coverage, and peace of mind. It's not expensive. Zipcar allows you to upgrade insurance but it's a rip.

Sonatarhia t1_j1m6t58 wrote on December 25, 2022 at 3:15 PM

How much does non-owner insurance cost? Does it cover you when you're renting cars too? Where do you get it from?

ABrusca1105 t1_j1m79z8 wrote on December 25, 2022 at 3:19 PM

It varies by your driving record and state but I paid $379/year. In 26M with an accident and 1 moving violation 5 years ago. In NJ they told me no new policies but only converted existing policies.

They also ask you how many miles you expect to drive in that time frame. I think I said 500 mi for 6 months or something like that.

Yes, it covers when you rent. I'm pretty sure regular car insurance does as well. That's the point of non-owner insurance basically. It also keeps continuous coverage for you. If you sell your car and you go without insurance, then when you get a new car eventually your insurance will basically be like you went uninsured, but maybe not as bad. I bet this is saving me money in the long run. Especially if I ever rent and insurance is going to be more than that.

If you have a clean driving record and you're in your 30s, 40s or 50s, you would probably be significantly less money than I paid. It was like a quarter of what my real insurance was when I had a car.