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

Why should anybody who doesn't have a car even bother about owning a auto insurance policy? This is such a brilliant question! A car insurance policy is good even if you do not own a car if you fall into any of the situations I will discuss shortly in this article.

Since you live in a big cities with more competent mass transit networks, you may not really need to have a vehicle for your daily routine. Car rental services are always ready to render services on those days you may need a car for special occassion.

These rental companies sell insurance if you want to cover your rent period. A non-owner auto insurance policy is, however, cheaper for you on the long run if you hire cars regularly. You won't have to be getting short term insurance covers from rental companies.

If your friends and family members know that you bought a car insurance policy they will be more likely to release their car to you than otherwise. 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're responsible.

Now, you need to understand something about a non-owner car insurance policy. If an accident happens, your non-owner's policy can't take precedence over the car owner's policy. It functions only if the vehicle owner's policy's liability limit cannot cover the damages caused. As an example...

Imagine that you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. Your non-owner's policy won't be touched if the auto owner's liability limit is thirty thousand dollars. 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 take care of the deficit.

It is good that you know that irrespective of the kind of policy you intend to get, you can get 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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