Car Insurance -- Why Non-Owners Need It?

You don't own a vehicle. So, why would you get a car insurance policy? This is such a brilliant question! An auto insurance policy is good though you may not have a car if you fall into any of the situations I will talk about later in this article.

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 take care of those days you may need a vehicle for special occassion.

Along with providing you with vehicles for the period you want to use a private vehicle, these rental companies also sell auto insurance policies that cover you throughout that period. However, depending on how often you have to hire a car, you may be better off with a non-owner car insurance policy.

Another reason will become apparent if you intend to borrow a car. People 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 car insurance policy show you such a person is very responsible? And, people are a lot 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. Your non-owner's policy cannot override the auto owners policy. 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. I think an example will help make this clearer...

Let's say that a damage of $27,000 is caused by you in a crash. Your non-owner's policy won't be touched if the auto owner's liability limit is thirty thousand dollars. If, on the other hand, there is a deficit where the auto owner's policy can't take care of such such damage, your non-owner's policy will cover the balance.

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

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