Auto Insurance -- Necessary For Non Car Owners?

Why should anyone who doesn't have a vehicle even bother about getting a car insurance policy? Hold on tight because you're in for a big surprise! There are a number of situations that you will find yourself in and you will find that getting a auto insurance is a wise decision.

Since you live in a city that has a mass transit network, you'll not need a personal vehicle for your daily movements. However, for some vacations and picnics, you'll need one. And what do you do? You go to a car rental company.

Along with providing you with vehicles for the period you want to use a private car, these rental companies also sell auto 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 vehicle often making it more expensive than getting a non-owner auto insurance policy.

Furthermore, your acquintance and sibblings will feel much more comfortable releasing their vehicles to you if you want to borrow one. Look at it from the car owner's opinion: It shows a level of responsibility. And, people are much more relaxed dealing with thoughtful people.

Before you run with the wrong impression, let me clarify a something about a non-owner car insurance policy. The car owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. However, if the auto owner's policy can't cover the damage due to its liability limit, your non-owner policy will take care of the balance. As an example...

Let's say you had an accident with a borrowed car that resulted in damages that totalled $27,000. Your non-owner's policy won't be touched if the vehicle owner's liability limit is $30,000. If, on the other hand, there is a deficit where the auto owner's policy cannot cover such damage, your non-owner's policy will take care of the balance.

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