Los Angeles CA Car Insurance -- But I Don't Have A Car

A Los Angeles CA auto insurance policy for non car owners? What for? This is such a brilliant question! There are a number of situations that you'll find yourself in and you will find that having a auto insurance is a very smart decision.

You may not have a personal car for your daily routine since you live in a big city with a good mass transit system. 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 vehicle, these rental companies also sell auto insurance policies that cover you throughout that period. However, depending on how often you have to rent a vehicle, you might be better off with a non-owner car insurance policy.

Another reason will become apparent if you want to borrow a car. Everybody will feel more comfortable lending you their car if they know you are so thoughtful as to even get a auto insurance policy. Doesn't the gesture of getting a non-owner auto insurance policy show you such a person is very thoughtful? And, people are a lot more relaxed dealing with thoughtful people.

Before you run with the wrong impression, let me clarify a something about a LA California non-owner car insurance policy. If an accident happens, your non-owner's policy can't take precedence over the car owner's policy. This policy gets to work if the auto owner's policy cannot take care of the damages caused. To make this clearer...

Let's say that a damage of $27,000 is caused by you in a crash. In spite of your non-owner's policy, the vehicle owner's policy will be used if his/her liability limit is, say, $30,000. This will not be the case if his/her liability limit were to be half the money. In such case your non-owner's policy will come into effect to cover the deficit.

Now, if you're about to buy any form 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 around $1000...

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