Car Insurance -- Why Non-Owners Need It?

Why should anyone who does not own a vehicle even bother about owning a car insurance policy? Hold on tight because you're in for a big surprise! There are some situations that you will find yourself in and you will find that having a car insurance is a wise decision.

Since you live in a big cities with more efficient mass transit networks, you may not really need to have a vehicle for your daily movement. You can visit a car rental service whenever you want to go for a picnic or vacation.

Along with renting a vehicle, you'll aslo have to buy 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 may be better off with a non-owner auto insurance policy.

If your friends and relatives know that you have an auto insurance policy they will be more likely to lend their car to you than otherwise. Does not the gesture of getting a non-owner auto insurance policy tell you such a person is very thoughtful? If you show that you're very responsible, people prefer to deal with you.

Before you leave with the wrong impression, let me explain something about a non-owner auto insurance policy. Your non-owner's policy can't override the vehicle owners policy. It kicks in only if the car owner's policy's liability limit can't cover the damages caused. I think an example will help you understand better...

Letus say that a damage of twenty seven thousand dollars is caused by you in a crash. Your non-owner's policy won't be touched if the car owner's liability limit is thirty thousand dollars. This won't be the case if his/her liability limit were to be half the amount. In such case your non-owner's policy will come into effect to cover the deficit.

It is very important, if you have anything to do with car insurance, that you know how to get massive savings because of the disparity in premiums by insurance companies. It is very ethical and legal and can save you around one thousand dollars...

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