Car Insurance -- Non-Owner, Why Bother?

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

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

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

Another reason will become apparent if you need to borrow a vehicle. Everyone will feel more comfortable realising thier car to you if they know you are so thoughtful as to even get a car insurance policy. If you are a vehicle owner, who would you consider more responsible: The fellow who has a non-owner car insurance policy and the guy who does not? If you can prove that you're very responsible, people prefer to deal with you.

Now, you need to know something about a non-owner car insurance policy. If an accident occurs, your non-owner's policy can't take precedence over the auto owner's policy. However, if the car owner's policy cannot cover the damage due to its liability limit, your non-owner policy will cover the balance. I think an example will help make this clearer...

Assuming you borrowed a car and had an accident where you caused a damage of $27,000. If the car owner's liability limit is thirty thousand dollars, your insurance won't 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's good that you know that irrespective of the kind of policy you intend to buy, you can get massive savings by capitalizing on the disparity in auto insurance premiums. This 100% lawful way to get savings can save you several hundreds of dollars...

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