California Auto Insurance -- Even If You Don't Own A Car?

You don't have a car. So, why would you get a California auto insurance policy? Sit tight because you're in for a big surprise! A car insurance policy is good though you may not own a vehicle if you fall into any of the situations I will discuss shortly in this article.

You may not own a personal vehicle for your daily movements since you live in a big city with an efficient mass transit system. However, for some vacations and picnics, you'll need one. And what do you do? You go to a car rental company.

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 often you have to rent a car, you may be better off with a non-owner car insurance policy.

If your friends and family members know that you have a car insurance policy they'll be more comfortable to release their car to you than otherwise. If you're a vehicle owner, who would you consider more responsible: The fellow who has a non-owner car insurance policy and the guy who doesn't? People like dealing with people who show that they are responsible.

Now, you need to understand something about a non-owner California auto insurance policy. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. It functions only if the vehicle owner's policy's liability limit cannot cover the damages caused. To make this clearer...

Assuming you borrowed a car 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. 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 cover the deficit.

Now, if you are about to buy any kind of auto insurance policy, you need to take advantage of disparities in premium by various companies. It is very ethical and legal and can save you up to $1000...

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