Car Insurance -- For Non Car Owners?

Why should anybody who does not have a vehicle even bother about getting a auto insurance policy? Nice question! Owning a car insurance policy without having a car would be a brilliant decision in some situations to be discussed shortly.

Since you live in a city that has a mass transit system, you'll not need a personal vehicle for your daily routine. However, for those vacations and picnics, you will need one. And what do you do? You visit a car rental company.

These rental companies sell insurance if you want to cover your rent period. This may not really amount to so much if you hire a vehicle 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 auto insurance policy.

Another reason will become apparent if you want to borrow a car. Everyone will feel more comfortable realising thier car to you if they know you're so thoughtful as to even buy a car insurance policy. If you are a vehicle owner, who would you consider more responsible: The person who has a non-owner car insurance policy and the person who does not? People like dealing with people who show that they're responsible.

Now, you need to understand 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. It kicks in only if the vehicle owner's policy's liability limit can't cover the damages caused. To understand these better...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. If the auto owner's liability limit is $30,000, your insurance will not be touched. If, on the other hand, there's a deficit where the auto owner's policy cannot cover such damage, your non-owner's policy will take care of the balance.

It's very important, if you have something to do with auto insurance, that you learn how to get a lot of savings because of the disparity in premiums by insurance companies. This can save you many hundred dollars. Moreover, it is very ethical -- No shady deals here...

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