Auto Insurance -- For Non Car Owners?

You don't own a vehicle. So, why would you get a car insurance policy? Hold on tight because you are in for a big surprise! Having a car insurance policy despite not having a car 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 a big city with a good mass transit system. However, for some 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 want to use a private vehicle, these rental companies also sell car insurance policies that cover you throughout that period. However, depending on how regular you have to rent a car, you might be better off with a non-owner auto insurance policy.

If your acquitance and relatives know that you bought an auto insurance policy they will be more comfortable to lend their car to you than otherwise. Does not the gesture of getting a non-owner car insurance policy show you such a person is very thoughtful? And, people are a lot more comfortable dealing with thoughtful people.

Before you leave with the wrong impression, let me clarify a something about a non-owner auto insurance policy. If an accident occurs, your non-owner's policy cannot take precedence over the car owner's policy. However, if the vehicle 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...

Let's say that a damage of $27,000 is caused by you in a crash. If the auto owner's liability limit is thirty thousand dollars, your insurance will not be touched. This will not be the case if his/her liability limit were to be half the money. In such case your non-owner's policy will come into effect to cover the deficit.

It is very important, if you have something to do with auto insurance, that you know how to make massive savings because of the disparity in rates by insurance companies. This can save you many hundred dollars. Moreover, it is very ethical -- No shady deals here...

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