California Auto Insurance -- For Non Car Owners?

A California auto insurance policy for non car owners? What for? Good question! A car insurance policy is good even if you do not own a vehicle if you fall into any of the situations I will talk about later in this article.

Since your city has a mass transit network, you will not need a personal car for your daily routine. You can easily go to a car rental service whenever you want to go for a picnic or vacation.

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 vehicle, you may be better off with a non-owner auto insurance policy.

If your acquitance and relatives know that you have an auto insurance policy they'll be more likely to release their car to you than otherwise. Doesn't the gesture of getting a non-owner car insurance policy tell you such a person is very responsible? If you can prove that you're very responsible, people prefer to work with you.

Hold on. A California non-owner auto insurance policy runs within a certain rule. Your non-owner's policy can't override the vehicle owners policy. This policy functions if the auto owner's policy can't take care of the damages caused. As an example...

Imagine that you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. In spite of your non-owner's policy, the auto owner's policy will be used if his/her liability limit is, say, $30,000. If, on the other hand, there is a deficit where the auto owner's policy can't cover such damage, your non-owner's policy will cover the balance.

It's good that you know that irrespective of the kind of policy you needed to get, you can make massive savings by capitalizing on the disparity in auto insurance premiums. It's very ethical and lawful and can save you around $1000...

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