California Auto Insurance -- Even If You Don't Have A Car?

A California auto insurance policy for non vehicle owners? What for? Nice question! Owning a car insurance policy even though you do not having a vehicle would be a brilliant decision in most situations to be discussed shortly.

Since you live in an advanced cities with more efficient mass transit systems, 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 may be better off with a non-owner auto insurance policy.

Moreover, your friends and relatives will feel a lot more comfortable giving their cars to you if you need to use one. Does not the gesture of getting a non-owner car insurance policy show you such a person is very thoughtful? And, people are much more comfortable dealing with responsible people.

Before you run with the wrong impression, let me explain something about a California non-owner car insurance policy. If an accident happens, your non-owner's policy cannot take precedence over the vehicle owner's policy. It functions only if the car owner's policy's liability limit can't cover the damages caused. To understand these better...

Imagine that you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. Your non-owner's policy will not be touched if the car owner's liability limit is thirty thousand dollars. This will not be the case if his/her liability limit were to be half the money. In such a situation your non-owner's policy will come into effect to cover the deficit.

Now, if you're about to buy any form of car insurance policy, you need to take advantage of disparities in rates by different companies. This can save you several hundred dollars. Moreover, it is very ethical -- No fake deals here...

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