Auto Insurance -- For Non Car Owners?

You do not have a vehicle. So, why would you get a auto insurance policy? Nice question! There are a number of situations that you'll find yourself in and you will find that getting a auto insurance is a wise decision.

Since you live in an advanced cities with highly competent mass transit systems, you may not really need to have a car for your daily routine. Car rental services are always ready to take care of those times you may need a vehicle for special occassion.

Along with renting a car, you will aslo have to buy an auto insurance cover for the rent period. These rental service sell such auto insurance policies. A non-owner car insurance policy is, however, cheaper for you on the long run if you hire vehicles often. You will not have to be getting short term insurance covers from rental companies.

If your friends and family members know that you have an auto insurance policy they'll be more comfortable to release their vehicle to you than otherwise. Doesn't the gesture of getting a non-owner car insurance policy tell you such a person is very responsible? If you show that you are very responsible, people prefer to work with you.

Now, you need to know something about a non-owner car insurance policy. If an accident happens, your non-owner's policy cannot take precedence over the car owner's policy. However, if the vehicle owner's policy cannot cover the damage due to its liability limit, your non-owner policy will cover the balance. To make this clearer...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. If the vehicle owner's liability limit is thirty thousand dollars, your insurance won't be touched. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance cover the balance.

It is good that you know that irrespective of the type of policy you intend to buy, you can get huge savings by capitalizing on the disparity in auto insurance rates. This 100% lawful way of making savings can save you many hundreds of dollars...

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