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

A California auto insurance policy for non car owners? What for? Hold on tight because you're in for a great surprise! A car insurance policy is good though you may not have a vehicle if you fall into any of the situations I will discuss shortly in this article.

Since your city has a mass transit network, you will not need a personal vehicle for your daily routine. Car rental services are regularly ready to take care of those times you may need a vehicle for private use.

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. This may not really amount to so much if you hire a car once in a long while. The opposite is the case if you rent a car often making it more costly than buying a non-owner auto insurance policy.

If your acquitance and family members know that you bought an auto insurance policy they will be more likely to release their vehicle to you than otherwise. Doesn't the gesture of getting a non-owner car insurance policy tell you such a person is very thoughtful? People like dealing with people who show that they are responsible.

Hold on. A California non-owner car insurance policy works within a certain rule. If an accident happens, your non-owner's policy can't take precedence over the vehicle owner's policy. However, if the car owner's policy can't cover the damage due to its liability limit, your non-owner policy will cover the balance. I think an example will help make this clearer...

Assuming you borrowed a car and had an accident where you caused a damage of $27,000. 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 kind of auto insurance policy, you need to take advantage of disparities in premium by various companies. This can save you several hundred dollars. Moreover, it is very ethical -- No fake deals here...

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