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

You don't have a vehicle. So, why would you need a California auto insurance policy? Good question! An auto insurance policy is good though you may not have a car if you fall into any of the situations I will talk about later in this article.

You may not have a personal vehicle for your daily movements since you live in advanced city with a good mass transit network. You can visit 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. This may not really amount to so much if you hire a vehicle once in a long while. The opposite is the case if you hire a vehicle often making it more expensive than getting a non-owner car insurance policy.

Another reason will become apparent if you need to borrow a vehicle. Everybody will feel more comfortable lending you their car if they know you're so thoughtful as to even get a car insurance policy. Does not the gesture of getting a non-owner auto insurance policy show you such a person is very thoughtful? If you can prove that you're very responsible, people will love to work with you.

Hold on. A California non-owner auto insurance policy runs within a certain rule. Your non-owner's policy can't override the car owners policy. This policy functions if the auto owner's policy cannot cover the damages caused. As an example...

Imagine that you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. If the car owner's liability limit is $30,000, your insurance won't be touched. This will not 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. This can save you many hundred dollars. Moreover, it is very ethical -- No shady deals here...

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