California Auto Insurance -- For Non Car Owners?

Why should anybody who does not own a vehicle even bother about owning a California auto insurance policy? This is such a brilliant question! Owning a car insurance policy without having a vehicle would be a brilliant decision in some situations to be discussed shortly.

Since you live in a big cities with more competent 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 at any time you want to go for a picnic or vacation.

Along with providing you with cars for the period you need to use a private vehicle, these rental companies also sell auto insurance policies that cover you throughout that period. A non-owner car insurance policy is, however, cheaper for you on the long run if you hire cars regularly. You won't have to be getting short term insurance covers from rental companies.

Moreover, your friends and sibblings will feel a lot more comfortable giving their cars to you if you need to use one. If you are a vehicle owner, who would you take more responsible: The fellow who has a non-owner car insurance policy and the person who does not? And, people are a lot more relaxed dealing with responsible people.

Hold on. A California non-owner auto insurance policy works within a certain rule. Your non-owner's policy cannot override the car owners policy. This policy gets to work if the vehicle owner's policy can't take care of the damages caused. I think an example will help you understand better...

Assuming you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. If the auto owner's liability limit is thirty thousand dollars, your insurance will not be touched. If, on the other hand, there's a deficit where the car owner's policy cannot take care of such such damage, your non-owner's policy will cover the balance.

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

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