Saturday, January 19, 2008

Auto Insurance Texas - Why You Need It Even If You Don t Have A Car

Auto Insurance Texas - Why You Need It Even If You Don t Have A Car A Texas auto insurance policy for non car owners? What for? This is such a brilliant question. There a number of situations that you ll find yourself in and you ll find that having an auto insurance (Texas) is a very smart decision. If your city has a dependable mass transit system, you will not need a personal car for your daily movements. You can easily go to a car rental service whenever you want to go for a picnic or vacation. These rental companies sell auto insurance if you want to cover your rent period. A non-owner auto insurance policy is, however, less expensive for you on the long run if you rent cars often. You won t have to be buying short term auto insurance coverage from rental companies. Another reason why you should get an auto insurance policy will become apparent if you intend 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 car insurance policy even though you don t own a car. Look at it from the car owner s perspective: It shows a level of responsibility. But take note of this: A non-owner policy works within a certain rule. Your non-owner s policy cannot take precedence over the car owners policy. Where it becomes useful is if the car owner s policy cannot cover damages incurred due to its liability limit. In such a case your non-owner policy will take care of the balance. I think an example will help make this clearer... Imagine that a borrowed car was involved in an accident where the borrower caused a damage of $27,000. If the car owner s liability limit is $30,000, the borrower s policy will not be touched. If, on the other hand, the damage caused was $45,000 the borrower s non-owner s policy will take care of the balance of $15,000. It is very important, if you have anything to do with car insurance, that you learn how to make huge savings because of the disparity in rates by insurance companies... Get and compare auto insurance (Texas) quotes from at least three quotes sites. Differences in rates for the same profile could range from hundreds to thousands of dollars depending on a number of factors. Here are my favorite pages for auto insurance quotes... InsureMe Auto Insurance Quotes Hometown Auto Insurance Quotes Publishers can get unique versions of my articles by following any of the links above. Click on To Use My Articles when you get to my site. Chimezirim Odimba writes on insurance.

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