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

Why should anybody who doesn't have a vehicle even bother about getting a auto insurance policy? This is such a brilliant question! There are a number of situations that you will find yourself in and you will find that getting a auto insurance is a very smart decision.

Since you live in a city that has a mass transit system, you'll not need a personal car for your daily routine. However, for some vacations and picnics, you will need one. And what do you do? You visit a car rental company.

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

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

Hold on. A non-owner car insurance policy works within a certain rule. The car owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. This policy gets to work if the auto owner's policy can't cover the damages caused. I think an example will help you understand better...

Letus say that a damage of twenty seven thousand dollars is caused by you in a crash. In spite of your non-owner's policy, the auto owner's policy will be used if his/her liability limit is, say, $30,000. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance will take care of the balance.

It's good that you know that irrespective of the kind of policy you want to buy, you can make huge savings by capitalizing on the disparity in auto insurance rates. This can save you many hundred dollars. Moreover, it is very ethical -- No fake deals here...

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