New York Car Insurance -- For Non Car Owners?

A New York auto insurance policy for non vehicle owners? What for? Hold on tight because you are in for a great surprise! There are some situations that you will find yourself in and you'll find that having a auto insurance is a very smart decision.

Since you live in a big cities with more efficient mass transit networks, you may not really need to have a vehicle for your daily movement. You can visit a car rental service at any time you want to go for a picnic or vacation.

These rental companies sell insurance if you want to cover your rent period. However, depending on how regular you have to hire a vehicle, you may be better off with a non-owner auto insurance policy.

Another reason will become apparent if you intend to borrow a car. People will feel more comfortable realising thier car to you if they know you're so thoughtful as to even get a car insurance policy. Look at it from the vehicle owner's opinion: It displays a level of responsibility. And, people are much more relaxed dealing with thoughtful people.

Hold on. A NY non-owner auto insurance policy works within a certain rule. If an accident occurs, your non-owner's policy cannot take precedence over the car owner's policy. This policy gets to work if the car owner's policy cannot take care of the damages caused. As an example...

Letus say you had an accident with a borrowed car that resulted in damages that totalled twenty seven thousand dollars. In spite of your non-owner's policy, the vehicle owner's policy will be used if his/her liability limit is, say, thirty thousand dollars. If, on the other hand, there is a deficit where the auto owner's policy cannot cover such damage, your non-owner's policy will cover the balance.

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

Get Cheap Auto Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!