Car Insurance -- Non-Owner, Why Bother?

You don't own a vehicle. So, why would you get a auto insurance policy? Nice question! A car insurance policy is good even if you don't have a vehicle if you fall into any of the situations I will discuss shortly in this article.

Since you live in an advanced cities with highly competent mass transit networks, you may not really need to own a car for your daily movement. However, for some vacations and picnics, you will need one. And what do you do? You visit a car rental company.

These rental companies sell insurance if you want to cover your rent period. 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 vehicle often making it more expensive than getting a non-owner auto insurance policy.

Moreover, your acquintance and relatives will feel a lot more comfortable giving their cars to you if you need to borrow one. If you're a vehicle owner, who would you consider more responsible: The fellow who has a non-owner car insurance policy and the guy who does not? If you can prove that you are very responsible, people prefer to work with you.

Now, you need to understand something about a non-owner auto insurance policy. If an accident happens, your non-owner's policy can't take precedence over the vehicle owner's policy. This policy functions if the auto owner's policy can't take care of the damages caused. I think an example will help make this clearer...

Assuming you borrowed a car and had an accident where you caused a damage of $27,000. Your non-owner's policy won't be touched if the car owner's liability limit is thirty thousand dollars. 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. It is very ethical and lawful and can save you around $1000...

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