California Auto Insurance -- For Non Car Owners?

Why should anybody who doesn't have a vehicle even bother about owning a California auto insurance policy? Good question! There are some situations that you will find yourself in and you'll find that having a auto insurance is a wise decision.

Since you live in a city that has a mass transit system, you will not need a personal vehicle for your daily movements. Car rental services are regularly ready to render services on those times you may need a vehicle for private use.

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

Another reason will become apparent if you intend to borrow a vehicle. People will feel more comfortable realising thier car to you if they know you are so thoughtful as to even buy a auto insurance policy. Look at it from the vehicle owner's opinion: It displays a level of responsibility. People like dealing with people who show that they're responsible.

Hold on. A California non-owner car insurance policy runs within a certain rule. The vehicleauto owner's policy still takes precedence over your non-owner's policy in the event of an accident. It kicks in only if the car owner's policy's liability limit cannot take care of the damages caused. I think an example will help you understand better...

Assuming you borrowed a vehicle and had an accident where you caused a damage of $27,000. If the car owner's liability limit is $30,000, your insurance will not be touched. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

Now, if you're about to get any kind of auto insurance policy, you need to take advantage of disparities in premium by various companies. This can save you many hundred dollars. Moreover, it's very ethical -- No shady deals here...

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