Auto Insurance -- Non-Owner, Why Bother?

You don't have a car. So, why would you get a car insurance policy? Nice question! An auto insurance policy is good though you may not have a car if you fall into any of the situations I will discuss shortly in this article.

You may not have a personal vehicle for your daily movements since you live in advanced city with a good mass transit system. However, for those vacations and picnics, you'll need one. And what do you do? You visit a car rental company.

Along with providing you with vehicles for the period you need to use a private vehicle, these rental companies also sell car insurance policies that cover you throughout that period. This may not really amount to so much if you rent a car once in a long while. The opposite is the case if you hire a vehicle usually makes it more expensive than buying a non-owner auto insurance policy.

If your friends and family members know that you have an auto insurance policy they will be more likely to lend their vehicle to you than otherwise. Look at it from the vehicle owner's perspective: It displays a level of responsibility. People like dealing with people who show that they're responsible.

Hold on. A non-owner auto insurance policy runs within a certain rule. If an accident occurs, your non-owner's policy cannot take precedence over the car owner's policy. It kicks in only if the vehicle owner's policy's liability limit cannot cover the damages caused. To understand these better...

Assuming you borrowed a vehicle and had an accident where you caused a damage of $27,000. If the car owner's liability limit is thirty thousand dollars, your insurance will not be touched. If, on the other hand, there's a deficit where the car owner's policy cannot cover such damage, your non-owner's policy will take care of the balance.

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

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