California Car Insurance -- Non-Owner, Why Bother?

Why should anybody who doesn't own a vehicle even bother about getting a California car insurance policy? This is such a brilliant question! An auto insurance policy is a smart though you may not have a car if you fall into any of the situations I will discuss shortly in this article.

You may not need a personal car for your daily routine since you live in a big city with a good mass transit system. However, for those vacations and picnics, you will need one. And what do you do? You go to a car rental company.

These rental companies sell insurance if you want to cover your rent period. A non-owner car insurance policy is, however, cheaper for you on the long run if you hire vehicles regularly. You won't have to be buying short term insurance covers from rental companies.

Another reason will become apparent if you intend 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 auto insurance policy. If you're a car owner, who would you consider more responsible: The fellow who has a non-owner car insurance policy and the person who does not? People like dealing with people who show that they are responsible.

Before you leave with the wrong impression, let me explain something about a California non-owner auto insurance policy. If an accident occurs, your non-owner's policy cannot take precedence over the car owner's 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. As an example...

Assuming you borrowed a vehicle and had an accident where you caused a damage of $27,000. Your non-owner's policy will not be touched if the vehicle owner's liability limit is thirty thousand dollars. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance will take care of the balance.

It is good that you know that irrespective of the kind of policy you needed to get, you can make a lot of savings by capitalizing on the disparity in car insurance premiums. This 100% legal way of making savings can save you several hundreds of dollars...

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