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

A car insurance policy for non vehicle owners? What for? Hold on tight because you are in for a great surprise! An auto insurance policy is a smart though you may not have a vehicle if you fall into any of the situations I will talk about later in this article.

You may not have a personal car for your daily movements since you live in a big city with a good mass transit network. However, for some vacations and picnics, you'll 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 auto insurance policy is, however, cheaper for you on the long run if you hire vehicles often. You won't have to be buying short term insurance covers from rental companies.

Another reason will become apparent if you intend to borrow a vehicle. People will feel more comfortable realising thier vehicle to you if they know you are so thoughtful as to even get a car insurance policy. If you are a car owner, who would you take more responsible: The person who has a non-owner car insurance policy and the person who doesn't? People like dealing with people who show that they're responsible.

Hold on. A non-owner auto insurance policy works within a certain rule. Your non-owner's policy cannot override the vehicle owners policy. This policy gets to work if the car owner's policy cannot take care of the damages caused. As an example...

Assuming you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. 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 is good that you know that irrespective of the kind of policy you needed to buy, you can get a lot of savings by capitalizing on the disparity in car insurance rates. This 100% legal way to get savings can save you several hundreds of dollars...

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