Car Insurance -- For Non Car Owners?

A auto insurance policy for non car owners? What for? This is such a brilliant question! There are some situations that you will find yourself in and you'll find that getting 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. However, for some vacations and picnics, you will need one. And what do you do? You visit a car rental company.

Along with providing you with cars for the period you need to use a private vehicle, these rental companies also sell auto insurance policies that cover you throughout that period. However, depending on how regular you have to rent a vehicle, you may be better off with a non-owner auto insurance policy.

Another reason will become apparent if you intend to borrow a car. Everybody will feel more comfortable realising thier vehicle to you if they know you are so thoughtful as to even get a car insurance policy. Doesn't the gesture of getting a non-owner auto insurance policy tell you such a person is very responsible? And, people are a lot more comfortable dealing with thoughtful people.

Before you run with the wrong impression, let me clarify a 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 car owner's policy cannot cover the damage due to its liability limit, your non-owner policy will cover the balance. As an example...

Let's 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 auto owner's liability limit is thirty thousand dollars. This will not be the case if his/her liability limit were to be half the money. In such a situation your non-owner's policy will come into effect to cover the deficit.

Now, if you're about to get any kind of auto insurance policy, you need to take advantage of disparities in premium by different companies. It's very ethical and legal and can save you around one thousand dollars...

Get Cheap Auto Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!