Auto Insurance -- Advisable For Non Car Owners?

A auto insurance policy for non car owners? What for? Hold on tight because you are in for a great surprise! Having a car insurance policy without having a vehicle would be a brilliant decision in most situations to be discussed shortly.

Since you live in a city that has a mass transit system, you will not need a personal car for your daily movements. 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 hire a vehicle often making it more expensive than getting a non-owner car insurance policy.

Furthermore, your acquaintance and relatives will feel much more comfortable giving their vehicles to you if you need to use one. Look at it from the car owner's perspective: It displays a level of responsibility. And, people are a lot more relaxed dealing with responsible people.

Hold on. A non-owner car insurance policy works within a certain rule. Your non-owner's policy cannot override the vehicle owners policy. However, if the auto owner's policy can't cover the damage due to its liability limit, your non-owner policy will take care of the balance. To 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 auto owner's liability limit is thirty thousand dollars, your insurance won't be touched. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

It is good that you know that irrespective of the kind of policy you want to get, you can make huge savings by capitalizing on the disparity in auto insurance premiums. This 100% legal way to get savings can save you many hundreds of dollars. Get quotes now with any of the quote boxes on this page.