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

A California car insurance policy for non car owners? What for? This is such a brilliant question! Owning a car insurance policy despite not having a vehicle would be a brilliant decision in most situations to be discussed shortly.

You may not have a personal vehicle for your daily movements since you live in a big city with a good mass transit network. You can visit a car rental service whenever you want to go for a picnic or vacation.

These rental companies sell insurance if you want to cover your rent period. However, depending on how often you have to rent a vehicle, you may be better off with a non-owner car insurance policy.

If your friends and family members know that you have an auto insurance policy they'll be more comfortable to release their car to you than otherwise. Look at it from the car owner's perspective: It displays a level of responsibility. If you can prove that you're very responsible, people will love to work with you.

Before you run with the wrong impression, let me clarify a something about a California non-owner car insurance policy. Your non-owner's policy can't override the auto owners policy. This policy functions if the auto owner's policy can't take care of the damages caused. To make this clearer...

Letus say you had an accident with a borrowed car that resulted in damages that totalled $27,000. Your non-owner's policy won't be touched if the car owner's liability limit is thirty thousand dollars. If, on the other hand, there is a deficit where the vehicle owner's policy cannot cover such damage, your non-owner's policy will take care of the balance.

Now, if you're about to buy any form of auto insurance policy, you need to take advantage of disparities in rates by various companies. It's very ethical and legal and can save you around one thousand dollars...

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