Auto Insurance -- Why Non-Owners Need It?

A auto insurance policy for non vehicle owners? What for? Sit tight because you're in for a great surprise! Owning a auto insurance policy even though you do not having a vehicle would be a wise decision in most situations to be discussed shortly.

Since you live in a city that has a mass transit system, you will not need a personal vehicle for your daily movements. You can visit a car rental service whenever you want to go for a picnic or vacation.

Along with renting a vehicle, you'll aslo have to get an auto insurance cover for the rent period. These rental service sell such car insurance policies. A non-owner auto insurance policy is, however, more affordable for you on the long run if you rent cars regularly. You won't have to be getting short term insurance covers from rental companies.

Moreover, your friends and relatives will feel much more comfortable releasing their cars to you if you want to borrow one. Look at it from the car owner's perspective: It shows a level of responsibility. If you can prove that you're very responsible, people will love to work with you.

Before you leave with the wrong impression, let me explain something about a non-owner car insurance policy. Your non-owner's policy can't override the vehicle owners policy. It functions only if the car owner's policy's liability limit can't take care of the damages caused. To make this clearer...

Let's say that a damage of $27,000 is caused by you in a crash. If the vehicle 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 want to buy, you can make huge savings by capitalizing on the disparity in car insurance rates. This 100% lawful way to get savings can save you several hundreds of dollars...

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