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

You do not own a car. So, why would you need a auto insurance policy? This is such a brilliant question! There are a number of situations that you will find yourself in and you will find that having a auto insurance is a very smart decision.

Since you live in a city that has a mass transit system, you'll not need a personal vehicle for your daily routine. However, for those 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 car insurance policies that cover you throughout that period. A non-owner auto insurance policy is, however, cheaper for you on the long run if you rent cars often. You won't have to be getting short term insurance covers from rental companies.

Moreover, your acquintance and relatives will feel much more comfortable giving their cars to you if you need to use one. If you're a vehicle owner, who would you consider more responsible: The fellow who has a non-owner car insurance policy and the guy who does not? If you show that you are very responsible, people prefer to work with you.

Before you leave 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. This policy functions if the auto owner's policy cannot take care of 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 car owner's liability limit is thirty thousand dollars. If, on the other hand, there is a deficit where the car owner's policy can't take care of such such damage, your non-owner's policy will take care of 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. It is very ethical and legal and can save you up to $1000...

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