Auto Insurance -- For Non Car Owners?

Why should anybody who does not own a vehicle even bother about getting a auto insurance policy? Hold on tight because you're in for a great surprise! An auto insurance policy is a smart even if you do not have a car if you fall into any of the situations I will discuss shortly in this article.

You may not own a personal vehicle for your daily routine since you live in advanced city with a good mass transit network. Car rental services are always ready to render services on those times you may need a vehicle for private use.

Along with providing you with cars for the period you need to use a private vehicle, these rental companies also sell car insurance policies that cover you throughout that period. A non-owner auto insurance policy is, however, cheaper 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.

If your friends and family members know that you have a car insurance policy they'll be more likely to lend their vehicle to you than otherwise. If you're a car owner, who would you consider more responsible: The person who has a non-owner car insurance policy and the guy who doesn't? People like dealing with people who show that they're responsible.

Before you run with the wrong impression, let me explain something about a non-owner car insurance policy. Your non-owner's policy can't override the auto owners policy. However, if the vehicle owner's policy can't cover the damage due to its liability limit, your non-owner policy will take care of the balance. As an example...

Let's say you had an accident with a borrowed vehicle that resulted in damages that totalled twenty seven thousand dollars. Your non-owner's policy won't be touched if the vehicle owner's liability limit is $30,000. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

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

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