California Auto Insurance -- Why Non-Owners Need It?

You don't have a vehicle. So, why would you get a California auto insurance policy? Good question! An auto insurance policy is a smart though you may not own a car if you fall into any of the situations I will discuss shortly in this article.

Since you live in an advanced cities with highly efficient mass transit systems, you may not really need to have a car for your daily movement. Car rental services are always ready to take care of those days you may need a vehicle for private use.

Along with renting a car, you will aslo have to get a car insurance cover for the rent period. These rental service sell such car insurance policies. However, depending on how often you have to rent a vehicle, you may be better off with a non-owner car insurance policy.

If your acquitance and relatives know that you have an auto insurance policy they will be more comfortable to release their car to you than otherwise. If you are a car owner, who would you consider more responsible: The fellow who has a non-owner car insurance policy and the guy who doesn't? People like dealing with people who show that they're responsible.

Hold on. A California non-owner auto insurance policy runs within a certain rule. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. However, if the vehicle owner's policy can't cover the damage due to its liability limit, your non-owner policy will take care of the balance. I think an example will help you understand better...

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 vehicle owner's liability limit is thirty thousand dollars. This will not be the case if his/her liability limit were to be half the amount. In such case your non-owner's policy will come into effect to cover the deficit.

It's very important, if you have anything to do with auto insurance, that you know how to get huge savings because of the disparity in rates by insurance companies. This can save you several hundred dollars. Moreover, it's very ethical -- No fake deals here...

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