California Car Insurance -- But I Don't Have A Car

A California car insurance policy for non car owners? What for? Nice question! An auto insurance policy is a smart even if you don't have a vehicle if you fall into any of the situations I will talk about later in this article.

You may not have a personal car for your daily routine since you live in a big city with an efficient mass transit network. You can easily go to a car rental service whenever you want to go for a picnic or vacation.

These rental companies sell insurance if you want to cover your rent period. However, depending on how regular you have to rent a car, you may be better off with a non-owner auto insurance policy.

Another reason will become apparent if you intend to borrow a vehicle. Everyone will feel more comfortable realising thier car to you if they know you are so thoughtful as to even buy a auto insurance policy. If you're a vehicle owner, who would you consider more responsible: The fellow who has a non-owner car insurance policy and the person who does not? And, people are much more comfortable dealing with thoughtful people.

Before you leave with the wrong impression, let me explain something about a California non-owner car insurance policy. The car owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. This policy functions if the car owner's policy can't take care of the damages caused. As an example...

Let's 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 will not be touched. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

It's good that you know that irrespective of the kind of policy you intend to buy, you can make a lot of savings by capitalizing on the disparity in car insurance rates. This 100% lawful way of making savings can save you many hundreds of dollars...

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