Auto Insurance -- Essential For Non Car Owners?

Why should anybody who doesn't have a car even bother about owning a car insurance policy? This is such a brilliant question! There are some situations that you will find yourself in and you'll find that having 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 car 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 car, you'll aslo have to buy an auto insurance cover for the rent period. These rental service sell such car insurance policies. 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 car often making it more expensive than buying a non-owner auto insurance policy.

Moreover, your friends and relatives will feel a lot more comfortable releasing their cars to you if you need to borrow one. If you're a car owner, who would you take more responsible: The fellow who has a non-owner auto insurance policy and the person who does not? If you show that you're very responsible, people will love to deal with you.

Before you run with the wrong impression, let me clarify a something about a non-owner auto insurance policy. If an accident happens, your non-owner's policy cannot take precedence over the vehicle owner's policy. This policy functions if the auto owner's policy cannot take care of the damages caused. To make this clearer...

Let's say that a damage of twenty seven thousand dollars is caused by you in a crash. If the vehicle owner's liability limit is $30,000, your insurance will not be touched. This won't be the case if his/her liability limit were to be half the amount. In such a situation your non-owner's policy will come into effect to cover the deficit.

Now, if you're about to buy any kind of auto insurance policy, you need to take advantage of disparities in rates by various companies. This 100% lawful way to get savings can save you many hundreds of dollars...

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