Auto Insurance -- Non-Owner, Why Bother?

You don't own a car. So, why would you need a auto insurance policy? Hold on tight because you're in for a big surprise! An auto insurance policy is a smart even if you don't own a car if you fall into any of the situations I will talk about later in this article.

Since you live in a big cities with highly competent mass transit systems, you may not really need to have a vehicle for your daily movement. Car rental services are always there to render services on those days you may need a vehicle for special occassion.

These rental companies sell insurance if you want to cover your rent period. A non-owner car insurance policy is, however, more affordable for you on the long run if you rent cars regularly. You will not have to be getting short term insurance covers from rental companies.

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

Before you run with the wrong impression, let me clarify a something about a non-owner auto insurance policy. Your non-owner's policy can't override the vehicle owners policy. However, if the car owner's policy cannot cover the damage due to its liability limit, your non-owner policy will cover the balance. To make this clearer...

Let's say that a damage of $27,000 is caused by you in a crash. If the auto owner's liability limit is $30,000, your insurance will not be touched. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

Now, if you're about to get any kind of auto insurance policy, you need to take advantage of disparities in rates by different companies. This 100% lawful way of making savings can save you several hundreds of dollars...

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