California Car Insurance -- Necessary For Non Car Owners?

You don't own a car. So, why would you need a California car insurance policy? Good question! Having a car insurance policy without having a vehicle would be a brilliant decision in most situations to be discussed shortly.

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

These rental companies sell insurance if you want to cover your rent period. A non-owner auto insurance policy is, however, cheaper for you on the long run if you hire cars often. You will not have to be getting short term insurance covers from rental companies.

Another reason will become apparent if you intend to borrow a car. People will feel more comfortable realising thier vehicle to you if they know you're so thoughtful as to even buy a car insurance policy. If you're a car owner, who would you consider more responsible: The person who has a non-owner auto insurance policy and the guy who doesn't? If you show 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. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. It functions only if the vehicle owner's policy's liability limit cannot cover the damages caused. I think an example will help make this clearer...

Let's say you had an accident with a borrowed vehicle that resulted in damages that sumed to $27,000. If the vehicle owner's liability limit is thirty thousand dollars, your insurance will not be touched. If, on the other hand, there is a deficit where the vehicle owner's policy can't cover such damage, your non-owner's policy will take care of the balance.

It is very important, if you have anything to do with auto insurance, that you know how to get huge savings because of the disparity in rates by insurance companies. It is very ethical and legal and can save you up to $1000...

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