California Auto Insurance -- Essential For Non Car Owners?

A California car insurance policy for non car owners? What for? Sit tight because you're in for a great surprise! An auto insurance policy is a smart though you may not own a vehicle 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 movements since you live in a big city with an efficient mass transit system. You can visit 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 hire a vehicle, you may be better off with a non-owner car insurance policy.

Another reason will become apparent if you need to borrow a car. Everyone will feel more comfortable lending you their car if they know you're so thoughtful as to even get a auto insurance policy. If you're a vehicle owner, who would you consider more responsible: The person who has a non-owner car insurance policy and the person who doesn't? If you can prove that you are very responsible, people will love to deal with you.

Hold on. A California non-owner car insurance policy runs within a certain rule. If an accident happens, your non-owner's policy can't take precedence over the car owner's policy. However, if the vehicle owner's policy cannot cover the damage due to its liability limit, your non-owner policy will cover the balance. I think an example will help you understand better...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of $27,000. In spite of your non-owner's policy, the auto owner's policy will be used if his/her liability limit is, say, thirty thousand dollars. This will not be the case if his/her liability limit were to be half the amount. In such a situation your non-owner's policy will come into effect to cover the deficit.

It is good that you know that irrespective of the type of policy you want to buy, you can get huge savings by capitalizing on the disparity in car insurance premiums. It is very ethical and legal and can save you around $1000...

Why Not Lower Your Rates And Save More..
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