Car Insurance -- Essential For Non Car Owners?

You don't have a vehicle. So, why would you need a car insurance policy? Nice question! Owning a auto insurance policy despite not having a car would be a samrt decision in most situations to be discussed shortly.

You may not need a personal car for your daily movements since you live in advanced city with an efficient mass transit system. Car rental services are regularly ready to render services on those times you may need a car for special occassion.

Along with renting a vehicle, you'll aslo have to buy a car insurance cover for the rent period. These rental service sell such auto insurance policies. This may not really amount to so much if you hire a car once in a long while. The opposite is the case if you hire a car often making it more costly than getting a non-owner auto insurance policy.

Another reason will become apparent if you want to borrow a car. Everybody will feel more comfortable lending you their vehicle if they know you are so thoughtful as to even get a auto insurance policy. Doesn't the gesture of getting a non-owner auto insurance policy tell you such a person is very responsible? And, people are a lot more relaxed dealing with thoughtful people.

Before you run with the wrong impression, let me explain something about a non-owner car insurance policy. Your non-owner's policy cannot override the vehicle owners policy. This policy gets to work if the vehicle owner's policy can't cover the damages caused. As an example...

Imagine that you borrowed a car and had an accident where you caused a damage of $27,000. If the vehicle 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 cover the deficit.

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

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