Car Insurance -- For Non Car Owners?

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

Since you live in a city that has a mass transit network, you will not need a personal car for your daily routine. Car rental services are always ready to render services on those times you may need a vehicle for private use.

Along with renting a car, you'll aslo have to buy a car insurance cover for the rent period. These rental service sell such auto 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 usually makes it more expensive than getting a non-owner car insurance policy.

Moreover, your acquintance and sibblings will feel a lot more comfortable releasing their cars to you if you want to borrow one. If you're a vehicle owner, who would you take more responsible: The fellow who has a non-owner car insurance policy and the person who doesn't? If you can prove that you are very responsible, people prefer to work with you.

Hold on. A non-owner car insurance policy works within a certain rule. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. It functions only if the vehicle owner's policy's liability limit cannot take care of the damages caused. To make this clearer...

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. This won't be the case if his/her liability limit were to be half the amount. In such case your non-owner's policy will come into effect to take care of the deficit.

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