Car Insurance -- Necessary For Non Car Owners?

A auto insurance policy for non car owners? What for? This is such a brilliant question! Owning a car insurance policy even though you do not having a vehicle would be a samrt decision in some situations to be discussed shortly.

Since you live in an advanced cities with highly competent mass transit systems, you may not really need to own a vehicle for your daily routine. You can easily go to a car rental service at any time 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 buying a non-owner car insurance policy.

If your friends and family members know that you have a car insurance policy they'll be more likely to release their vehicle to you than otherwise. Look at it from the car owner's opinion: It displays a level of responsibility. And, people are a lot more relaxed dealing with thoughtful people.

Before you run with the wrong impression, let me clarify a something about a non-owner car insurance policy. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. It kicks in only if the car owner's policy's liability limit cannot take care of the damages caused. To make this clearer...

Assuming you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. In spite of your non-owner's policy, the car owner's policy will be used if his/her liability limit is, say, thirty thousand dollars. This won't 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 is good that you know that irrespective of the kind of policy you needed to get, you can make huge savings by capitalizing on the disparity in car insurance rates. This 100% legal way to get savings can save you many hundreds of dollars...

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