Car Insurance -- Why Non-Owners Need It?

You do not own a vehicle. So, why would you need a car insurance policy? Hold on tight because you're in for a great surprise! Having a auto insurance policy without having a vehicle would be a brilliant decision in some situations to be discussed shortly.

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

These rental companies sell insurance if you want to cover your rent period. However, depending on how often you have to rent a car, you may be better off with a non-owner auto insurance policy.

Another reason will become apparent if you want to borrow a vehicle. People will feel more comfortable lending you their vehicle if they know you're so thoughtful as to even buy a car insurance policy. Doesn't the gesture of getting a non-owner auto insurance policy show you such a person is very thoughtful? People like dealing with people who show that they are responsible.

Now, you need to understand something about a non-owner auto insurance policy. Your non-owner's policy can't override the auto owners policy. However, if the auto owner's policy cannot cover the damage due to its liability limit, your non-owner policy will cover the balance. As an example...

Imagine that you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. Your non-owner's policy will not be touched if the auto owner's liability limit is $30,000. This will not be the case if his/her liability limit were to be half the money. In such case your non-owner's policy will come into effect to take care of the deficit.

It's very important, if you have anything to do with auto insurance, that you learn how to get a lot of savings because of the disparity in premiums by insurance companies. This can save you many hundred dollars. Moreover, it is very ethical -- No shady deals here...

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