Auto Insurance -- But I Don't Have A Car

You do not have a vehicle. So, why would you need a auto insurance policy? This is such a brilliant question! An auto insurance policy is good though you may not own a car if you fall into any of the situations I will discuss shortly in this article.

Since your city has a mass transit network, 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.

Along with providing you with cars for the period you need to use a private vehicle, these rental companies also sell auto insurance policies that cover you throughout that period. This may not really amount to so much if you hire a vehicle once in a long while. The opposite is the case if you rent a car often making it more expensive than getting a non-owner car insurance policy.

If your acquitance and family members know that you bought an auto insurance policy they will be more comfortable to release their vehicle to you than otherwise. If you are a car owner, who would you take more responsible: The person who has a non-owner auto insurance policy and the guy who does not? And, people are a lot more relaxed dealing with responsible people.

Now, you need to know something about a non-owner auto insurance policy. Your non-owner's policy cannot override the auto owners policy. This policy gets to work if the auto owner's policy cannot cover the damages caused. I think an example will help make this clearer...

Letus say that a damage of twenty seven thousand dollars is caused by you in a crash. If the auto owner's liability limit is thirty thousand dollars, your insurance won't be touched. This won't be the case if his/her liability limit were to be half the money. In such a situation your non-owner's policy will come into effect to cover the deficit.

Now, if you are about to buy any kind of car insurance policy, you need to take advantage of disparities in premium by different companies. This can save you many hundred dollars. Moreover, it is very ethical -- No fake deals here...

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