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

You do not own a car. So, why would you need a auto insurance policy? Hold on tight because you are in for a great surprise! Owning a auto insurance policy without having a car would be a brilliant decision in some situations to be discussed shortly.

Since your city has a mass transit network, you will not need a personal vehicle for your daily movements. You can visit a car rental service whenever you want to go for a picnic or vacation.

Along with renting a vehicle, you'll aslo have to buy a car insurance cover for the rent period. These rental service sell such auto insurance policies. 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.

Another reason will become apparent if you intend to borrow a vehicle. Everybody will feel more comfortable realising thier vehicle to you if they know you're so thoughtful as to even get a car insurance policy. If you are a vehicle owner, who would you take more responsible: The person who has a non-owner car insurance policy and the guy who doesn't? And, people are a lot more relaxed dealing with thoughtful people.

Hold on. A non-owner auto insurance policy runs within a certain rule. The car owner's policy still takes precedence over your non-owner's policy in the event of an accident. It functions only if the car owner's policy's liability limit cannot take care of the damages caused. To understand these better...

Letus say that a damage of $27,000 is caused by you in a crash. If the vehicle owner's liability limit is $30,000, your insurance won't be touched. If, on the other hand, there is a deficit where the vehicle owner's policy can't cover such damage, your non-owner's policy will take care of the balance.

Now, if you are about to buy any kind of auto insurance policy, you need to take advantage of disparities in rates by various companies. It's very ethical and legal and can save you around one thousand dollars...

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