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

Why should anybody who doesn't have a car even bother about getting a California car insurance policy? Sit tight because you're in for a big surprise! Having a auto insurance policy even though you do not having a vehicle would be a samrt decision in some situations to be discussed shortly.

You may not have a personal vehicle for your daily routine since you live in advanced city with an efficient mass transit network. However, for some 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. However, depending on how regular you have to hire a car, you might be better off with a non-owner auto insurance policy.

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

Before you run with the wrong impression, let me explain something about a California non-owner auto insurance policy. The vehicleauto owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. This policy gets to work if the vehicle owner's policy can't cover the damages caused. As an example...

Letus say that a damage of twenty seven thousand dollars is caused by you in a crash. 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's a deficit where the auto owner's policy cannot take care of such such damage, your non-owner's policy will cover the balance.

Now, if you are about to buy any form of car insurance policy, you need to take advantage of disparities in rates by various companies. This 100% lawful way to get savings can save you many hundreds of dollars...

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