California Car Insurance -- For Non Car Owners?

Why should anybody who does not own a car even bother about owning a California auto insurance policy? Sit tight because you're in for a big surprise! An auto insurance policy is good though you may not have a car if you fall into any of the situations I will discuss shortly in this article.

Since you live in a big cities with more efficient mass transit networks, you may not really need to own a car for your daily routine. You can easily go to a car rental service at any time you want to go for a picnic or vacation.

These rental companies sell insurance if you want to cover your rent period. However, depending on how often you have to hire a vehicle, you might be better off with a non-owner auto insurance policy.

If your friends and relatives know that you have an auto insurance policy they will be more likely to lend their car to you than otherwise. If you're a car owner, who would you take more responsible: The fellow who has a non-owner auto insurance policy and the person who does not? If you can prove that you are very responsible, people prefer to work with you.

Before you leave with the wrong impression, let me explain something about a California non-owner auto insurance policy. Your non-owner's policy can't override the auto owners policy. However, if the vehicle owner's policy cannot cover the damage due to its liability limit, your non-owner policy will cover the balance. I think an example will help you understand better...

Imagine that you borrowed a car and had an accident where you caused a damage of $27,000. If the car owner's liability limit is thirty thousand dollars, your insurance will not be touched. This will not be the case if his/her liability limit were to be half the amount. In such a situation your non-owner's policy will come into effect to take care of the deficit.

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 car insurance premiums. It's very ethical and lawful and can save you around $1000...

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