Auto Insurance -- Non-Owner, Why Bother?

You don't have a vehicle. So, why would you get a auto insurance policy? Nice question! 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.

Since your city has a mass transit system, you'll not need a personal vehicle for your daily routine. Car rental services are always ready to take care of those times you may need a vehicle for private use.

These rental companies sell insurance if you want to cover your rent period. However, depending on how often you have to hire a car, you may be better off with a non-owner car insurance policy.

Another reason will become apparent if you want to borrow a car. Everyone will feel more comfortable lending you their vehicle if they know you are so thoughtful as to even get a car insurance policy. If you are a car owner, who would you take more responsible: The person who has a non-owner car insurance policy and the guy who doesn't? And, people are much more relaxed dealing with thoughtful people.

Before you leave with the wrong impression, let me clarify a something about a non-owner auto insurance policy. Your non-owner's policy cannot override the auto owners policy. However, if the auto owner's policy cannot cover the damage due to its liability limit, your non-owner policy will take care of the balance. I think an example will help you understand better...

Imagine that you borrowed a car and had an accident where you caused a damage of $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 fifteen thousand dollars, your insurance cover the balance.

Now, if you are about to get any form of auto insurance policy, you need to take advantage of disparities in premium by various companies. This 100% lawful way of making savings can save you many hundreds of dollars...

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