Car Insurance -- But I Don't Have A Car

A car insurance policy for non car owners? What for? Hold on tight because you are in for a big surprise! An auto insurance policy is good even if you don't own a car if you fall into any of the situations I will talk about later in this article.

Since you live in a city that has a mass transit network, you'll not need a personal car for your daily routine. You can visit a car rental service at any time you want to go for a picnic or vacation.

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

Another reason will become apparent if you want to borrow a car. People will feel more comfortable lending you their vehicle if they know you are so thoughtful as to even get a auto insurance policy. If you're a vehicle owner, who would you consider more responsible: The person who has a non-owner auto insurance policy and the guy who doesn't? If you show that you're very responsible, people will love to deal with you.

Before you leave with the wrong impression, let me clarify a something about a non-owner car insurance policy. The vehicleauto owner's policy still takes precedence over your non-owner's policy in the event of an accident. This policy functions if the vehicle owner's policy can't take care of the damages caused. I think an example will help make this clearer...

Imagine that you borrowed a car and had an accident where you caused a damage of $27,000. 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. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance cover the balance.

Now, if you are about to get any form of auto insurance policy, you need to take advantage of disparities in rates by different companies. This 100% legal way to get savings can save you several hundreds of dollars...

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