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

A car insurance policy for non vehicle owners? What for? Sit tight because you're in for a great surprise! Owning a auto insurance policy despite not having a car would be a samrt decision in a number of situations to be discussed shortly.

Since your city has a mass transit network, you'll not need a personal vehicle for your daily movements. Car rental services are regularly ready to render services on those days you may need a car for private use.

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. A non-owner car insurance policy is, however, more affordable for you on the long run if you hire vehicles regularly. You will not have to be getting short term insurance covers from rental companies.

Moreover, your friends and sibblings will feel much more comfortable releasing their vehicles to you if you want to borrow one. Doesn't the gesture of getting a non-owner car insurance policy show you such a person is very responsible? People like dealing with people who show that they are responsible.

Before you run with the wrong impression, let me explain something about a non-owner auto insurance policy. Your non-owner's policy can't override the vehicle owners policy. However, if the auto owner's policy can't cover the damage due to its liability limit, your non-owner policy will cover the balance. As an example...

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, thirty thousand dollars. If, on the other hand, there is a deficit where the car owner's policy cannot cover such damage, your non-owner's policy will cover the balance.

Now, if you are about to get any form of car insurance policy, you need to take advantage of disparities in rates by various companies. It's very ethical and lawful and can save you up to $1000...

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