California Auto Insurance -- For Non Car Owners?

You do not own a car. So, why would you need a California auto insurance policy? This is such a brilliant question! There are a number of situations that you'll find yourself in and you will find that getting a auto insurance is a wise decision.

You may not own a personal car for your daily routine since you live in advanced city with a good mass transit network. You can easily go to a car rental service at any time you want to go for a picnic or vacation.

Along with providing you with vehicles for the period you need to use a private car, these rental companies also sell car insurance policies that cover you throughout that period. However, depending on how regular you have to rent a car, you may be better off with a non-owner car insurance policy.

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

Hold on. A California non-owner car insurance policy works within a certain rule. Your non-owner's policy can't override the car owners policy. It functions only if the auto owner's policy's liability limit cannot cover the damages caused. To understand these better...

Letus say you had an accident with a borrowed vehicle that resulted in damages that sumed to $27,000. If the vehicle owner's liability limit is thirty thousand dollars, your insurance won't 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.

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

Best Auto Insurance
Lowest Car Insurance