Car Insurance -- Even If You Don't Own A Car?

You do not own a vehicle. So, why would you need a car insurance policy? This is such a brilliant question! There are some situations that you'll find yourself in and you'll find that getting a auto insurance is a wise decision.

Since your city has a mass transit network, you will not need a personal car for your daily routine. However, for those vacations and picnics, you will need one. And what do you do? You go to a car rental company.

These rental companies sell insurance if you want to cover your rent period. A non-owner car insurance policy is, however, cheaper for you on the long run if you rent vehicles often. You will not have to be buying short term insurance covers from rental companies.

If your acquitance and family members know that you have an auto insurance policy they'll be more comfortable to lend their car to you than otherwise. Does not the gesture of getting a non-owner car insurance policy tell you such a person is very thoughtful? And, people are much more comfortable dealing with thoughtful people.

Now, you need to know something about a non-owner car insurance policy. If an accident happens, your non-owner's policy cannot take precedence over the vehicle owner's policy. However, if the auto owner's policy can't cover the damage due to its liability limit, your non-owner policy will cover the balance. To make this clearer...

Letus say you had an accident with a borrowed car that resulted in damages that sumed to $27,000. If the auto owner's liability limit is $30,000, your insurance won't be touched. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

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

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