Car Insurance -- Even If You Don't Have A Car?

Why should anybody who doesn't have a vehicle even bother about getting a car insurance policy? Good question! There are a number of situations that you'll find yourself in and you'll find that having a car insurance is a wise decision.

Since you live in a city that has a mass transit network, you'll not need a personal car for your daily movements. You can easily go to a car rental service whenever you want to go for a picnic or vacation.

Along with providing you with cars for the period you need to use a private car, these rental companies also sell auto insurance policies that cover you throughout that period. This may not really amount to so much if you hire a car once in a long while. The opposite is the case if you rent a vehicle often making it more costly than getting a non-owner car insurance policy.

Moreover, your friends and sibblings will feel much more comfortable releasing their vehicles to you if you want to borrow one. Doesn't the gesture of getting a non-owner car insurance policy show you such a person is very thoughtful? If you can prove that you are very responsible, people prefer to work with you.

Before you leave with the wrong impression, let me explain something about a non-owner auto insurance policy. If an accident happens, your non-owner's policy can't take precedence over the vehicle owner's policy. This policy gets to work if the car owner's policy cannot cover the damages caused. As an example...

Imagine that you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. Your non-owner's policy will not be touched if the auto owner's liability limit is $30,000. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

It's good that you know that irrespective of the kind of policy you want to buy, you can get huge savings by capitalizing on the disparity in car insurance rates. This 100% lawful way of making savings can save you many hundreds of dollars...