Auto Insurance -- For Non Car Owners?

A car insurance policy for non vehicle owners? What for? This is such a brilliant question! There are a number of situations that you'll find yourself in and you will find that having a car insurance is a very smart decision.

You may not own a personal vehicle for your daily routine since you live in advanced city with an efficient mass transit network. Car rental services are always ready to take care of those times you may need a car for special occassion.

Along with renting a car, you'll aslo have to buy an auto insurance cover for the rent period. These rental service sell such car insurance policies. However, depending on how regular you have to rent a car, you may be better off with a non-owner auto insurance policy.

Furthermore, your friends and relatives will feel a lot more comfortable giving their vehicles to you if you want to use one. Look at it from the vehicle owner's perspective: It shows a level of responsibility. People like dealing with people who show that they are responsible.

Before you run with the wrong impression, let me clarify a something about a non-owner car insurance policy. The car owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. It kicks in only if the auto owner's policy's liability limit cannot cover the damages caused. To understand these better...

Imagine that you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. If the car owner's liability limit is thirty thousand dollars, your insurance will not be touched. If, on the other hand, there is a deficit where the vehicle owner's policy cannot take care of such such damage, your non-owner's policy will cover the balance.

It is very important, if you have something to do with auto insurance, that you know how to make huge savings because of the disparity in rates by insurance companies. This 100% legal way of making savings can save you several hundreds of dollars...

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