Auto Insurance -- Necessary For Non Car Owners?

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

Since you live in an advanced cities with more competent mass transit systems, you may not really need to own a car for your daily routine. However, for some vacations and picnics, you'll need one. And what do you do? You visit a car rental company.

Along with providing you with vehicles for the period you want to use a private vehicle, these rental companies also sell car insurance policies that cover you throughout that period. However, depending on how often you have to hire a car, you may be better off with a non-owner car insurance policy.

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

Before you leave with the wrong impression, let me clarify a something about a non-owner auto insurance policy. The car owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. It functions only if the auto owner's policy's liability limit can't cover the damages caused. I think an example will help make this clearer...

Assuming you borrowed a vehicle and had an accident where you caused a damage of $27,000. If the car owner's liability limit is thirty thousand dollars, your insurance won't be touched. This won't be the case if his/her liability limit were to be half the amount. In such a situation your non-owner's policy will come into effect to cover the deficit.

It's very important, if you have something to do with car insurance, that you learn how to make 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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