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

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

Since your city has a mass transit system, you'll not need a personal vehicle for your daily movements. Car rental services are regularly ready to render services on those times you may need a car for private use.

Along with providing you with vehicles for the period you need to use a private car, these rental companies also sell car insurance policies that cover you throughout that period. A non-owner car insurance policy is, however, cheaper for you on the long run if you rent cars often. You will not have to be buying short term insurance covers from rental companies.

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

Now, you need to know something about a non-owner car insurance policy. Your non-owner's policy cannot override the auto owners 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. As an example...

Letus say that a damage of $27,000 is caused by you in a crash. In spite of your non-owner's policy, the car owner's policy will be used if his/her liability limit is, say, thirty thousand dollars. This won't be the case if his/her liability limit were to be half the amount. In such case your non-owner's policy will come into effect to take care of the deficit.

Now, if you are about to get any form of auto insurance policy, you need to take advantage of disparities in premium by various companies. This can save you many hundred dollars. Moreover, it's very ethical -- No shady deals here...

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