California Car Insurance -- Necessary For Non Car Owners?

You do not have a vehicle. So, why would you need a California auto insurance policy? Nice question! A car insurance policy is good even if you don't own a car if you fall into any of the situations I will talk about later in this article.

Since your city has a mass transit system, you'll not need a personal vehicle for your daily movements. Car rental services are always ready to render services on those times you may need a vehicle for special occassion.

These rental companies sell insurance if you want to cover your rent period. This may not really amount to so much if you rent a car once in a long while. The opposite is the case if you rent a vehicle usually makes it more costly than buying a non-owner auto insurance policy.

Another reason will become apparent if you intend to borrow a car. Everybody will feel more comfortable realising thier vehicle to you if they know you are so thoughtful as to even buy a car insurance policy. Look at it from the car owner's perspective: It shows a level of responsibility. People like dealing with people who show that they're responsible.

Before you run with the wrong impression, let me explain something about a California non-owner car insurance policy. If an accident occurs, your non-owner's policy can't take precedence over the vehicle owner's policy. However, if the car owner's policy can't cover the damage due to its liability limit, your non-owner policy will cover the balance. To make this clearer...

Letus say you had an accident with a borrowed vehicle that resulted in damages that sumed to twenty seven thousand dollars. If the car owner's liability limit is $30,000, your insurance will not be touched. If, on the other hand, there is a deficit where the auto owner's policy can't take care of such such damage, your non-owner's policy will take care of the balance.

Now, if you're about to buy any kind of auto insurance policy, you need to take advantage of disparities in premium by different companies. This can save you many hundred dollars. Moreover, it is very ethical -- No fake deals here...

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