California Car Insurance -- Advisable For Non Car Owners?

Why should anybody who does not own a vehicle even bother about owning a California car insurance policy? Nice question! A car insurance policy is good though you may not own a vehicle if you fall into any of the situations I will talk about later 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. Car rental services are always there to render services on those times you may need a vehicle for special occassion.

Along with providing you with cars for the period you need to use a private car, these rental companies also sell auto insurance policies that cover you throughout that period. This may not really amount to so much if you hire a car once in a long while. The opposite is the case if you hire a car usually makes it more expensive than getting a non-owner auto insurance policy.

Moreover, your acquintance and relatives will feel much more comfortable releasing their cars to you if you want to use one. Look at it from the vehicle owner's opinion: It shows a level of responsibility. And, people are much more comfortable dealing with thoughtful people.

Now, you need to understand something about a non-owner California auto insurance policy. Your non-owner's policy cannot override the vehicle owners policy. It kicks in only if the vehicle owner's policy's liability limit can't cover the damages caused. To make this clearer...

Assuming you borrowed a car and had an accident where you caused a damage of $27,000. If the auto owner's liability limit is thirty thousand dollars, 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 good that you know that irrespective of the type of policy you want to buy, you can make massive savings by capitalizing on the disparity in car insurance premiums. This 100% lawful way to get savings can save you several hundreds of dollars...

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