Car Insurance -- For Non Car Owners?

Why should anybody who doesn't own a vehicle even bother about getting a auto insurance policy? This is such a brilliant question! Having a car insurance policy despite not having a vehicle would be a wise decision in most situations to be discussed shortly.

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 visit a car rental service at any time you want to go for a picnic or vacation.

Along with renting a vehicle, you will aslo have to get a car insurance cover for the rent period. These rental service sell such car insurance policies. However, depending on how regular you have to hire a vehicle, you might be better off with a non-owner auto insurance policy.

Another reason will become apparent if you want to borrow a car. Everybody will feel more comfortable lending you their car if they know you are so thoughtful as to even get a car insurance policy. Look at it from the vehicle owner's opinion: It shows a level of responsibility. People like dealing with people who show that they are responsible.

Now, you need to know something about a non-owner car insurance policy. Your non-owner's policy cannot override the auto owners policy. However, if the car owner's policy cannot cover the damage due to its liability limit, your non-owner policy will take care of the balance. As an example...

Let's say that a damage of $27,000 is caused by you in a crash. Your non-owner's policy will not be touched if the car owner's liability limit is $30,000. However, if in the same case, the owners liability limit is $15,000, your insurance will take care of the balance.

It is very important, if you have anything to do with car insurance, that you learn how to get huge savings because of the disparity in premiums by insurance companies. This can save you many hundred dollars. Moreover, it is very ethical -- No fake deals here...

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