Car Insurance -- Non-Owner, Why Bother?

Why should anybody who does not have a vehicle even bother about getting a auto insurance policy? Good question! An auto insurance policy is good though you may not own a car if you fall into any of the situations I will discuss shortly in this article.

You may not own a personal car for your daily routine since you live in advanced city with a good mass transit system. You can easily go to a car rental service whenever you want to go for a picnic or vacation.

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

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

Now, you need to understand something about a non-owner auto insurance policy. The car owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. However, if the auto owner's policy cannot cover the damage due to its liability limit, your non-owner policy will take care of the balance. To understand these better...

Letus say that a damage of $27,000 is caused by you in a crash. If the car owner's liability limit is $30,000, your insurance will not be touched. This will not be the case if his/her liability limit were to be half the money. In such case your non-owner's policy will come into effect to take care of the deficit.

It's good that you know that irrespective of the type of policy you needed to buy, you can make a lot of savings by capitalizing on the disparity in auto insurance rates. It's very ethical and legal and can save you around one thousand dollars...

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