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! An auto insurance policy is good even if you do not have a car if you fall into any of the situations I will discuss shortly in this article.

Since you live in an advanced cities with highly efficient mass transit networks, you may not really need to have a vehicle for your daily routine. However, for those vacations and picnics, you'll need one. And what do you do? You go to a car rental company.

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 vehicle once in a long while. The opposite is the case if you hire a car often making it more expensive than buying a non-owner car insurance policy.

If your acquitance and family members know that you have an auto insurance policy they'll be more comfortable to release their car to you than otherwise. Does not the gesture of getting a non-owner car insurance policy tell you such a person is very thoughtful? And, people are much more comfortable dealing with thoughtful people.

Hold on. A California non-owner auto insurance policy runs within a certain rule. If an accident occurs, your non-owner's policy cannot take precedence over the car owner's policy. It kicks in only if the vehicle owner's policy's liability limit can't 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 car owner's policy will be used if his/her liability limit is, say, thirty thousand dollars. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance will take care of the balance.

Now, if you're about to buy any form of car insurance policy, you need to take advantage of disparities in premium by various companies. It's very ethical and lawful and can save you up to $1000...

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