Car Insurance -- For Non Car Owners?

A car insurance policy for non car owners? What for? Good question! There are some situations that you'll find yourself in and you will find that having a car insurance is a wise decision.

Since you live in an advanced cities with more competent mass transit networks, you may not really need to own a vehicle 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 providing you with cars for the period you need to use a private vehicle, these rental companies also sell auto insurance policies that cover you throughout that period. A non-owner car insurance policy is, however, cheaper for you on the long run if you rent cars often. You will not have to be getting short term insurance covers from rental companies.

If your friends and family members know that you bought an auto insurance policy they'll be more comfortable to lend their car 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 comfortable dealing with responsible people.

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 car owner's policy. However, if the vehicle 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 vehicle that resulted in damages that totalled $27,000. If the auto owner's liability limit is thirty thousand dollars, your insurance will not be touched. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

It's good that you know that irrespective of the kind of policy you intend to buy, you can get huge savings by capitalizing on the disparity in car insurance premiums. It's very ethical and lawful and can save you up to one thousand dollars...

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