Car Insurance -- For Non Car Owners?

Why should anyone who doesn't have a vehicle even bother about owning a car insurance policy? Good question! There are a number of situations that you'll find yourself in and you will find that getting a auto insurance is a wise decision.

Since your city has a mass transit system, you will not need a personal vehicle for your daily movements. Car rental services are always there to take care of those times you may need a vehicle for private use.

Along with renting a car, you'll aslo have to get an auto insurance cover for the rent period. These rental service sell such auto insurance policies. However, depending on how regular you have to rent a vehicle, you may be better off with a non-owner car insurance policy.

If your acquitance and relatives know that you bought an auto insurance policy they will be more likely to lend their car to you than otherwise. Look at it from the car owner's perspective: It displays a level of responsibility. And, people are a lot more comfortable dealing with responsible people.

Hold on. A non-owner auto insurance policy runs within a certain rule. Your non-owner's policy can't override the car owners policy. It functions only if the auto owner's policy's liability limit can't take care of the damages caused. I think an example will help make this clearer...

Letus say that a damage of $27,000 is caused by you in a crash. In spite of your non-owner's policy, the auto owner's policy will be used if his/her liability limit is, say, thirty thousand dollars. 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.

It's good that you know that irrespective of the type of policy you want to buy, you can make massive savings by capitalizing on the disparity in auto insurance rates. It's very ethical and legal and can save you around $1000...

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