The Owner's Insurance

• If the vehicle lender is a friend or family member, then the car's owner probably has insurance that covers you while you drive it. Most standard policies apply not only to the vehicle owner but also family members listed on the policy and anyone else who the owner allows to borrow the vehicle. In this case you won't have to worry about your own auto insurance rates, and you won't even need your own policy to drive. But any accidents you cause will affect the owner's rates.
  

Temporary Policy

• One option for avoiding any damage to your auto insurance or someone else's while you have a loaner is to take out a temporary insurance policy. Temporary policies are available from most major insurance companies and charge by the day, usually up to a 30-day maximum. Temporary insurance costs more than a standard policy but your driving record won't affect what you pay, and if you make a claim it won't factor into your insurance rates with your full-time auto insurance company.