Auto Insurance -- Even If You Don't Have A Car?

Why should anyone who doesn't have a car even bother about getting a auto insurance policy? Hold on tight because you are in for a big surprise! Owning a car insurance policy despite not having a car would be a samrt decision in some situations to be discussed shortly.

Since you live in a big cities with highly efficient mass transit systems, you may not really need to have a car for your daily routine. Car rental services are regularly ready to take care of those times you may need a car for private use.

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. A non-owner car insurance policy is, however, cheaper for you on the long run if you rent cars regularly. You will not have to be buying short term insurance covers from rental companies.

Another reason will become apparent if you need to borrow a vehicle. People will feel more comfortable realising thier car to you if they know you're so thoughtful as to even buy a auto insurance policy. If you are a car owner, who would you consider more responsible: The fellow who has a non-owner auto insurance policy and the person who does not? People like dealing with people who show that they're responsible.

Now, you need to know something about a non-owner auto insurance policy. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. This policy gets to work if the auto owner's policy can't take care of the damages caused. To make this clearer...

Assuming you borrowed a vehicle and had an accident where you caused a damage of $27,000. Your non-owner's policy will not be touched if the vehicle owner's liability limit is thirty thousand dollars. This will not be the case if his/her liability limit were to be half the money. In such a situation your non-owner's policy will come into effect to cover the deficit.

Now, if you're about to get any form of auto insurance policy, you need to take advantage of disparities in rates by various companies. It's very ethical and legal and can save you around one thousand dollars...