Auto Insurance -- Non-Owner, Why Bother?

A car insurance policy for non car owners? What for? Hold on tight because you are in for a great surprise! There are some situations that you'll find yourself in and you will find that getting a auto insurance is a wise decision.

Since you live in a big cities with highly efficient mass transit systems, you may not really need to have a vehicle for your daily movement. You can visit a car rental service at any time you want to go for a picnic or vacation.

Along with providing you with vehicles for the period you need to use a private vehicle, these rental companies also sell auto insurance policies that cover you throughout that period. A non-owner auto insurance policy is, however, more affordable for you on the long run if you rent vehicles regularly. You won't have to be getting short term insurance covers from rental companies.

Furthermore, your acquintance and relatives will feel a lot more comfortable releasing their cars to you if you want to borrow one. Does not the gesture of getting a non-owner car insurance policy show you such a person is very responsible? People like dealing with people who show that they are responsible.

Before you leave with the wrong impression, let me clarify a something about a non-owner auto insurance policy. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. It functions only if the car owner's policy's liability limit can't take care of the damages caused. As an example...

Letus say you had an accident with a borrowed vehicle that resulted in damages that sumed to twenty seven thousand dollars. In spite of your non-owner's policy, the car owner's policy will be used if his/her liability limit is, say, $30,000. This won't be the case if his/her liability limit were to be half the amount. In such case your non-owner's policy will come into effect to take care of the deficit.

It's very important, if you have something to do with auto insurance, that you learn how to make a lot of savings because of the disparity in premiums by insurance companies. It is very ethical and lawful and can save you up to one thousand dollars...

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