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

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

You may not own a personal vehicle for your daily routine since you live in advanced city with an efficient mass transit network. Car rental services are always ready 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 vehicle, these rental companies also sell auto insurance policies that cover you throughout that period. A non-owner auto insurance policy is, however, cheaper for you on the long run if you rent vehicles regularly. You won't have to be buying short term insurance covers from rental companies.

Another reason will become apparent if you need to borrow a vehicle. Everybody will feel more comfortable lending you their vehicle if they know you're so thoughtful as to even get a auto insurance policy. Look at it from the car owner's perspective: It displays a level of responsibility. And, people are much more comfortable dealing with responsible people.

Hold on. A California non-owner auto insurance policy works within a certain rule. Your non-owner's policy can't override the car owners policy. This policy functions if the vehicle owner's policy cannot take care of the damages caused. To understand these better...

Letus say that a damage of twenty seven thousand dollars is caused by you in a crash. Your non-owner's policy won't be touched if the car owner's liability limit is $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 is very important, if you have something to do with auto insurance, that you know how to get a lot of savings because of the disparity in premiums by insurance companies. This 100% lawful way to get savings can save you many hundreds of dollars...

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