Car Insurance -- For Non Car Owners?

Why should anyone who does not own a car even bother about getting a car insurance policy? Good question! There are some situations that you'll find yourself in and you'll find that having a car insurance is a wise decision.

You may not have a personal vehicle for your daily movements since you live in advanced city with an efficient mass transit system. However, for those vacations and picnics, you will need one. And what do you do? You go to a car rental company.

These rental companies sell insurance if you want to cover your rent period. A non-owner auto insurance policy is, however, cheaper for you on the long run if you hire vehicles regularly. You will not have to be getting short term insurance covers from rental companies.

Furthermore, your acquintance and relatives will feel much more comfortable giving their cars to you if you need to borrow one. Doesn't the gesture of getting a non-owner car insurance policy tell you such a person is very thoughtful? If you can prove that you are very responsible, people prefer to deal with you.

Before you run with the wrong impression, let me clarify a something about a non-owner auto insurance policy. Your non-owner's policy cannot override the auto owners policy. This policy gets to work if the car owner's policy can't cover the damages caused. As an example...

Letus say that a damage of $27,000 is caused by you in a crash. Your non-owner's policy won't be touched if the car owner's liability limit is $30,000. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance cover the balance.

It's good that you know that irrespective of the type of policy you needed to get, you can get a lot of savings by capitalizing on the disparity in auto insurance premiums. It is very ethical and lawful and can save you up to $1000...