California Car Insurance -- But I Don't Have A Car

A California auto insurance policy for non car owners? What for? This is such a brilliant question! A car insurance policy is good though you may not have a vehicle if you fall into any of the situations I will talk about later in this article.

You may not need a personal vehicle for your daily routine since you live in a big city with a good mass transit network. Car rental services are always ready to render services on those times you may need a car for special occassion.

These rental companies sell insurance if you want to cover your rent period. This may not really amount to so much if you rent a car once in a long while. The opposite is the case if you hire a vehicle often making it more expensive than buying 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 vehicle to you if they know you are so thoughtful as to even buy a car insurance policy. If you are a vehicle owner, who would you take more responsible: The person 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 work with you.

Before you leave 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 can't take precedence over the vehicle owner's policy. It kicks in only if the auto owner's policy's liability limit cannot take care of the damages caused. To make this clearer...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. In spite of your non-owner's policy, the auto owner's policy will be used if his/her liability limit is, say, $30,000. If, on the other hand, there is a deficit where the car owner's policy can't take care of such such damage, your non-owner's policy will take care of the balance.

It's good that you know that irrespective of the type of policy you needed to buy, you can get huge savings by capitalizing on the disparity in auto insurance premiums. This can save you several hundred dollars. Moreover, it is very ethical -- No fake deals here...

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