Car Insurance -- But I Don't Have A Car

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

You may not need a personal vehicle for your daily routine since you live in a big city with a good mass transit network. You can visit a car rental service at any time you want to go for a picnic or vacation.

Along with renting a car, you will aslo have to get a car insurance cover for the rent period. These rental service sell such car insurance policies. This may not really amount to so much if you rent a vehicle once in a long while. The opposite is the case if you rent a car often making it more costly than getting a non-owner car insurance policy.

Another reason will become apparent if you intend to borrow a vehicle. Everyone will feel more comfortable lending you their car if they know you are so thoughtful as to even buy a auto insurance policy. Doesn't the gesture of getting a non-owner auto insurance policy show you such a person is very responsible? If you show that you're very responsible, people prefer to deal with you.

Hold on. A non-owner auto insurance policy runs within a certain rule. Your non-owner's policy can't override the car owners policy. This policy functions if the car owner's policy can't cover the damages caused. As an example...

Letus say that a damage of twenty seven thousand dollars is caused by you in a crash. 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 will take care of the balance.

It is very important, if you have something to do with auto insurance, that you know how to make huge savings because of the disparity in premiums by insurance companies. This 100% legal way to get savings can save you several hundreds of dollars...

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