Auto Insurance -- But I Don't Have A Car

A auto insurance policy for non car owners? What for? This is such a brilliant question! Having a auto insurance policy without having a vehicle would be a brilliant decision in most situations to be discussed shortly.

You may not have a personal vehicle for your daily movements since you live in advanced city with a good mass transit network. Car rental services are regularly ready to take care of those days you may need a car for private use.

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. 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 vehicle usually makes it more costly than getting a non-owner car insurance policy.

If your friends and relatives know that you bought a car insurance policy they will be more likely to release their car to you than otherwise. If you're a car owner, who would you take more responsible: The fellow who has a non-owner auto insurance policy and the guy who doesn't? And, people are much more relaxed dealing with thoughtful people.

Now, you need to know something about a non-owner car insurance policy. Your non-owner's policy can't override the car owners policy. This policy functions if the auto owner's policy can't cover the damages caused. As an example...

Assuming you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. Your non-owner's policy will not be touched if the auto owner's liability limit is thirty thousand dollars. 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 cover the deficit.

It's very important, if you have anything to do with auto insurance, that you learn how to make massive savings because of the disparity in premiums by insurance companies. It's very ethical and legal and can save you around one thousand dollars...

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