Auto Insurance -- Non-Owner, Why Bother?

You don't have a vehicle. So, why would you need a car insurance policy? Hold on tight because you are in for a great surprise! There are a number of situations that you will find yourself in and you will find that having a car insurance is a very smart decision.

You may not own a personal car for your daily movements since you live in a big city with an efficient mass transit system. Car rental services are regularly ready to take care of those times you may need a vehicle for special occassion.

Along with renting a car, you will aslo have to buy a car insurance cover for the rent period. These rental service sell such auto insurance policies. This may not really amount to so much if you hire a car once in a long while. The opposite is the case if you hire a car usually makes it more expensive than getting a non-owner auto insurance policy.

If your friends and family members know that you have an auto insurance policy they will be more comfortable to release their vehicle to you than otherwise. Doesn't the gesture of getting a non-owner car insurance policy show you such a person is very responsible? And, people are a lot more relaxed dealing with responsible people.

Hold on. A non-owner car insurance policy runs within a certain rule. If an accident occurs, your non-owner's policy can't take precedence over the auto owner's policy. However, if the car owner's policy can't cover the damage due to its liability limit, your non-owner policy will cover the balance. I think an example will help you understand better...

Letus say you had an accident with a borrowed car that resulted in damages that totalled $27,000. Your non-owner's policy won't be touched if the auto owner's liability limit is thirty thousand dollars. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance cover the balance.

It is very important, if you have anything to do with auto insurance, that you know how to get massive savings because of the disparity in rates by insurance companies. This can save you several hundred dollars. Moreover, it's very ethical -- No fake deals here...

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