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

A car insurance policy for non car owners? What for? Hold on tight because you are in for a big surprise! Owning a auto insurance policy without having a car would be a samrt decision in most situations to be discussed shortly.

Since you live in an advanced cities with more competent mass transit systems, you may not really need to have a vehicle for your daily routine. Car rental services are always there to render services on those days you may need a car for special occassion.

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. A non-owner auto insurance policy is, however, cheaper for you on the long run if you hire cars regularly. You won't have to be getting short term insurance covers from rental companies.

Another reason will become apparent if you want to borrow a car. People will feel more comfortable realising thier car to you if they know you are so thoughtful as to even buy a auto insurance policy. Look at it from the car owner's perspective: It shows a level of responsibility. People like dealing with people who show that they're responsible.

Now, you need to understand something about a non-owner car insurance policy. If an accident occurs, your non-owner's policy can't take precedence over the auto owner's policy. This policy functions if the vehicle owner's policy can't take care of the damages caused. As an example...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. In spite of your non-owner's policy, the vehicle owner's policy will be used if his/her liability limit is, say, $30,000. If, on the other hand, there is a deficit where the vehicle owner's policy cannot take care of such such damage, your non-owner's policy will cover the balance.

Now, if you are about to buy any kind of car insurance policy, you need to take advantage of disparities in rates by different companies. This can save you many hundred dollars. Moreover, it is very ethical -- No fake deals here...

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