California Car Insurance -- Non-Owner, Why Bother?

You do not have a car. So, why would you need a California auto insurance policy? This is such a brilliant question! An auto insurance policy is a smart 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 you live in a big cities with highly efficient mass transit networks, you may not really need to have a vehicle for your daily movement. You can easily go to 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 car insurance policy is, however, more affordable for you on the long run if you rent vehicles regularly. You won't have to be getting short term insurance covers from rental companies.

Furthermore, your friends and relatives will feel much more comfortable giving their vehicles to you if you want to use one. Does not the gesture of getting a non-owner car insurance policy tell you such a person is very responsible? If you show that you're very responsible, people will love to deal with you.

Before you leave with the wrong impression, let me explain something about a California non-owner car insurance policy. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. However, if the auto owner's policy cannot cover the damage due to its liability limit, your non-owner policy will take care of the balance. As an example...

Let's say that a damage of $27,000 is caused by you in a crash. If the car owner's liability limit is $30,000, your insurance will not be touched. This won't 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 is very important, if you have anything to do with car insurance, that you learn how to make huge savings because of the disparity in premiums by insurance companies. It is very ethical and lawful and can save you up to $1000...

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