California Auto Insurance -- Essential For Non Car Owners?

You do not own a car. So, why would you get a California auto insurance policy? Good question! An auto insurance policy is good even if you do not own a vehicle if you fall into any of the situations I will talk about later in this article.

Since you live in a big cities with more efficient mass transit networks, you may not really need to own a car for your daily movement. You can easily go to a car rental service whenever you want to go for a picnic or vacation.

Along with renting a vehicle, you'll aslo have to get a car insurance cover for the rent period. These rental service sell such auto insurance policies. A non-owner car insurance policy is, however, more affordable for you on the long run if you hire cars often. You won't have to be buying short term insurance covers from rental companies.

Another reason will become apparent if you need to borrow a vehicle. Everybody will feel more comfortable realising thier car to you if they know you're so thoughtful as to even get a car insurance policy. Doesn't the gesture of getting a non-owner auto insurance policy show you such a person is very thoughtful? People like dealing with people who show that they're responsible.

Now, you need to know something about a non-owner California car 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 vehicle owner's policy cannot take care of 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 car owner's liability limit is $30,000, your insurance will not be touched. If, on the other hand, there is a deficit where the car owner's policy can't cover such damage, your non-owner's policy will take care of the balance.

It is very important, if you have something to do with auto insurance, that you learn how to make huge savings because of the disparity in premiums by insurance companies. This can save you many hundred dollars. Moreover, it is very ethical -- No shady deals here...

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