California Car Insurance -- Advisable For Non Car Owners?

A California auto insurance policy for non car owners? What for? Nice question! Owning a auto insurance policy without having a vehicle would be a samrt decision in a number of situations to be discussed shortly.

You may not need a personal vehicle for your daily movements since you live in a big city with a good mass transit system. Car rental services are regularly ready to render services on those times you may need a vehicle for private use.

Along with providing you with vehicles for the period you want to use a private car, these rental companies also sell auto insurance policies that cover you throughout that period. However, depending on how regular you have to rent a car, you may be better off with a non-owner car insurance policy.

If your friends and relatives know that you bought an auto insurance policy they will be more likely to release their vehicle to you than otherwise. Look at it from the vehicle owner's opinion: It shows a level of responsibility. And, people are a lot more comfortable dealing with thoughtful people.

Before you run with the wrong impression, let me clarify a something about a California non-owner auto insurance policy. Your non-owner's policy can't override the auto owners policy. It kicks in only if the vehicle owner's policy's liability limit cannot take care of the damages caused. As an example...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. If the car owner's liability limit is thirty thousand dollars, your insurance will not be touched. This won't be the case if his/her liability limit were to be half the money. In such a situation your non-owner's policy will come into effect to cover the deficit.

Now, if you're about to buy any kind of auto insurance policy, you need to take advantage of disparities in rates by various companies. It is very ethical and lawful and can save you around one thousand dollars...

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