In the United States, auto insurance generally follows the vehicle, not the driver. If you are borrowing a friend's vehicle for a quick errand or a day trip, their existing insurance policy will usually cover you under a "permissive use" clause. Free; requires no paperwork for a one-day trip.
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Primarily offers liability-only coverage (won't cover damage to your own vehicle) and is only available in a limited number of states. In the United States, auto insurance generally follows