Auto Insurance -- But I Don't Have A Car

A car insurance policy for non vehicle owners? What for? Nice question! Having a car insurance policy without having a vehicle would be a samrt decision in most situations to be discussed shortly.

You may not have a personal vehicle for your daily routine since you live in advanced city with an efficient mass transit system. You can easily go to a car rental service at any time you want to go for a picnic or vacation.

These rental companies sell insurance if you want to cover your rent period. A non-owner auto insurance policy is, however, more affordable for you on the long run if you hire cars often. You won't have to be buying short term insurance covers from rental companies.

Another reason will become apparent if you want to borrow a car. People will feel more comfortable realising thier car to you if they know you are so thoughtful as to even buy a car insurance policy. Look at it from the car owner's perspective: It shows a level of responsibility. People like dealing with people who show that they're responsible.

Now, you need to understand something about a non-owner auto insurance policy. The vehicleauto owner's policy still takes precedence over your non-owner's policy in the event of an accident. It kicks in only if the auto owner's policy's liability limit cannot cover the damages caused. To make this clearer...

Letus say that a damage of $27,000 is caused by you in a crash. 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 fifteen thousand dollars, your insurance will take care of the balance.

It's good that you know that irrespective of the kind of policy you want to buy, you can get huge savings by capitalizing on the disparity in car insurance premiums. This 100% lawful way of making savings can save you many hundreds of dollars...

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