New York Auto Insurance -- But I Don't Own A Car

Why should anybody who doesn't own a vehicle even bother about owning a NY auto insurance policy? Sit tight because you are in for a big surprise! An auto insurance policy is good even if you do not have a car if you fall into any of the situations I will discuss shortly in this article.

Since you live in a city that has a mass transit network, you'll not need a personal vehicle for your daily routine. However, for those vacations and picnics, you will need one. And what do you do? You go to a car rental company.

Along with providing you with cars for the period you need to use a private vehicle, 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 car 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 auto insurance policy.

Moreover, your acquintance and relatives will feel a lot more comfortable releasing their cars to you if you want to borrow one. Does not the gesture of getting a non-owner car insurance policy show you such a person is very thoughtful? If you can prove that you're very responsible, people prefer to deal with you.

Before you run with the wrong impression, let me clarify a something about a NY 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 functions if the vehicle owner's policy can't take care of the damages caused. I think an example will help you understand better...

Assuming you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. Your non-owner's policy will not be touched if the vehicle owner's liability limit is 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.

It's very important, if you have anything to do with auto insurance, that you know how to get a lot of savings because of the disparity in rates by insurance companies. This can save you many hundred dollars. Moreover, it's very ethical -- No fake deals here...

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