Auto Insurance -- Non-Owner, Why Bother?

A auto insurance policy for non car owners? What for? Hold on tight because you're 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 city that has a mass transit network, you'll not need a personal vehicle for your daily movements. You can visit a car rental service at any time 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 auto 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 rent a vehicle usually makes it more expensive than getting a non-owner auto insurance policy.

Furthermore, your acquintance and relatives will feel much more comfortable giving their cars to you if you need to use one. Does not the gesture of getting a non-owner auto insurance policy show you such a person is very thoughtful? If you can prove that you are very responsible, people prefer to work with you.

Hold on. A non-owner auto insurance policy works within a certain rule. The vehicleauto owner's policy still takes precedence over your non-owner's policy in the event of an accident. This policy functions if the auto owner's policy can't take care of the damages caused. To make this clearer...

Let's say you had an accident with a borrowed car that resulted in damages that sumed to twenty seven thousand dollars. If the car owner's liability limit is thirty thousand dollars, your insurance won't be touched. This will not be the case if his/her liability limit were to be half the money. 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 premium by different companies. It is very ethical and legal and can save you around $1000...

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