Car Insurance -- Advisable For Non Car Owners?

Why should anyone who does not own a vehicle even bother about getting a auto insurance policy? Nice question! An auto insurance policy is good though you may not have a car if you fall into any of the situations I will discuss shortly in this article.

Since you live in a city that has a mass transit system, you will not need a personal vehicle 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.

These rental companies sell insurance if you want to cover your rent period. However, depending on how often you have to hire a vehicle, you may be better off with a non-owner car insurance policy.

If your acquitance and family members know that you have an auto insurance policy they'll be more likely to lend their car to you than otherwise. If you're a vehicle owner, who would you take more responsible: The person who has a non-owner car insurance policy and the person who doesn't? And, people are much more comfortable dealing with thoughtful people.

Hold on. A non-owner auto insurance policy runs within a certain rule. If an accident happens, your non-owner's policy can't take precedence over the vehicle owner's policy. It functions only if the vehicle owner's policy's liability limit cannot cover the damages caused. I think an example will help you understand better...

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 vehicle owner's liability limit is $30,000. If, on the other hand, there is a deficit where the car owner's policy cannot cover such damage, your non-owner's policy will cover the balance.

It's good that you know that irrespective of the type of policy you needed to buy, you can make a lot of savings by capitalizing on the disparity in car insurance rates. This 100% lawful way to get savings can save you several hundreds of dollars...

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