California Auto Insurance -- Necessary For Non Car Owners?

A California car insurance policy for non car owners? What for? Good question! There are a number of situations that you'll find yourself in and you will find that having a car insurance is a wise decision.

Since you live in an advanced cities with more competent mass transit networks, you may not really need to have a car for your daily routine. However, for some vacations and picnics, you'll need one. And what do you do? You visit a car rental company.

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.

Furthermore, your acquintance and sibblings will feel much more comfortable releasing their vehicles to you if you need to borrow one. Does not the gesture of getting a non-owner auto insurance policy tell you such a person is very responsible? People like dealing with people who show that they're responsible.

Now, you need to know something about a non-owner California auto insurance policy. If an accident happens, your non-owner's policy cannot take precedence over the vehicle owner's policy. However, if the vehicle owner's policy can't cover the damage due to its liability limit, your non-owner policy will cover the balance. I think an example will help make this clearer...

Letus say that a damage of $27,000 is caused by you in a crash. Your non-owner's policy won't be touched if the car owner's liability limit is $30,000. 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 needed to buy, you can make huge savings by capitalizing on the disparity in auto insurance rates. This 100% legal way to get savings can save you several hundreds of dollars...

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