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

You do not own a car. So, why would you get a California auto insurance policy? This is such a brilliant question! An auto insurance policy is a smart even if you do not have a vehicle if you fall into any of the situations I will discuss shortly in this article.

Since you live in a city that has a mass transit network, you'll not need a personal vehicle for your daily movements. However, for those vacations and picnics, you will need one. And what do you do? You go to a car rental company.

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 rent cars regularly. You will not have to be buying short term insurance covers from rental companies.

If your friends and family members know that you bought an auto insurance policy they will be more likely to lend their vehicle to you than otherwise. If you are a vehicle owner, who would you consider more responsible: The fellow who has a non-owner auto insurance policy and the person who does not? If you can prove that you're very responsible, people will love to deal with you.

Hold on. A California non-owner car insurance policy works within a certain rule. If an accident occurs, your non-owner's policy can't take precedence over the auto owner's policy. It functions only if the car owner's policy's liability limit cannot take care of the damages caused. As an example...

Let's say that a damage of twenty seven thousand dollars is caused by you in a crash. Your non-owner's policy will not be touched if the auto owner's liability limit is thirty thousand dollars. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

It's very important, if you have something to do with auto insurance, that you learn how to make huge savings because of the disparity in rates by insurance companies. It's very ethical and lawful and can save you up to one thousand dollars...

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