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

You don't have a car. So, why would you get a auto insurance policy? This is such a brilliant question! There are a number of situations that you'll find yourself in and you'll find that getting a auto insurance is a very smart decision.

Since your city has a mass transit network, you will not need a personal vehicle for your daily movements. Car rental services are always ready to take care of those days you may need a vehicle for special occassion.

Along with providing you with cars for the period you want to use a private car, these rental companies also sell auto insurance policies that cover you throughout that period. A non-owner car insurance policy is, however, more affordable for you on the long run if you rent vehicles regularly. You will not have to be buying short term insurance covers from rental companies.

If your acquitance and family members know that you have a car insurance policy they will be more comfortable to release their car to you than otherwise. Look at it from the vehicle owner's perspective: It shows a level of responsibility. If you can prove that you're very responsible, people prefer to deal with you.

Hold on. A non-owner auto insurance policy works within a certain rule. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. This policy functions if the vehicle owner's policy can't take care of the damages caused. I think an example will help make this clearer...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. If the vehicle owner's liability limit is $30,000, your insurance won't be touched. However, if in the same case, the owners liability limit is $15,000, your insurance will take care of the balance.

Now, if you are about to buy any kind of auto insurance policy, you need to take advantage of disparities in rates by various companies. It's very ethical and lawful and can save you around $1000...

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