Car Insurance -- Non-Owner, Why Bother?

A auto insurance policy for non car owners? What for? Hold on tight because you're in for a great surprise! There are a number of situations that you will find yourself in and you'll find that getting a auto insurance is a very smart decision.

You may not have a personal car for your daily routine since you live in advanced city with an efficient mass transit system. However, for those vacations and picnics, you will need one. And what do you do? You go to a car rental company.

Along with providing you with vehicles for the period you need to use a private vehicle, these rental companies also sell car insurance policies that cover you throughout that period. 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.

Moreover, your friends and sibblings will feel much more comfortable giving their cars to you if you need to borrow one. Does not 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.

Before you run with the wrong impression, let me explain something about a non-owner car insurance policy. If an accident happens, your non-owner's policy cannot take precedence over the vehicle 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 take care of the balance. To make this clearer...

Assuming you borrowed a car and had an accident where you caused a damage of $27,000. Your non-owner's policy will not be touched if the auto owner's liability limit is $30,000. If, on the other hand, there's a deficit where the car owner's policy can't take care of such such damage, your non-owner's policy will cover the balance.

Now, if you are about to buy any form of car insurance policy, you need to take advantage of disparities in premium by different companies. It's very ethical and legal and can save you up to one thousand dollars...

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