Do you need an auto insurance policy even if you don’t own an automobile? You must be wondering what sort of a question this is? But don’t be astonished on this question. Majority of the people have the same reaction. But the answer to this question is yes; you do need auto insurance even if you don’t own a car or an automobile. This stands true in case you have a rented automobile. If you possess a rented automobile you must purchase an insurance policy in order to save you from personal injuries in event of an accident.

If you are putting up in a large city with good public transport system you don’t need to buy a car or any other vehicle for that matter. These days you can easily get a rented automobile and commute through the city. But you must take care of all the safety precautions while driving an automobile, which is rented.

In the scenario of an accident while driving a rented vehicle one does not get any protection or coverage for any personal injury. Making such claims can only be possible if you have an insurance of your own. Now this is where it becomes necessary to own an auto insurance policy so that you can get coverage in event of an accident. So, if you don’t have an auto insurance policy then buying an auto insurance policy must be your top priority at this point of time not just for your own sake but also for the sake of your loved ones.

Having an auto insurance policy also improves your chances of getting a rented vehicle because if you will possess a policy beforehand the owner will trust you with his vehicle. He will be comforted with the idea of handing over his vehicle to someone who already has an insurance policy because then he will think that his vehicle is in safe hands and he is handing it over to someone who is quite responsible.

Before jumping to any conclusion one thing must be made very clear regarding insurance policies of rented automobiles, which is, in the scenario of an accident the owner’s auto insurance policy can’t be overcome by non-ownership auto insurance policy. It is to be paid only if the coverage sum of owner’s cat insurance policy is exceeded by the amount of the claim. Before making the final decision one must make a comparison among the free insurance quotes of all the various different insurance companies.

Getting free insurance quotes a few years back would have appeared like an endless and a tiring task but with the help of modern technology like Internet it has become quite comfortable.

With household expenses still high and tough economic conditions making job security uncertain, monthly insurance payments can appear to be an expensive luxury. But think again!

Insurance is an intangible product. This means the benefits of an insurance policy aren’t realised until we make a claim and have it accepted. During tough economic times, families often cancel their insurance polices in order to save money. The repercussions of this can be very serious and may leave families in financial strife. In this article we discus several ways a policy holder can reduce their monthly insurance costs.

Ask you current provider whether there is anything you can do to reduce risk. This applies to any type of insurance policy including house, car or health. Insurance premiums are based on risk. If you can reduce the probability of a fire, burglary or an accident, insurance companies will often reduce your monthly insurance premiums.

Pay a higher excess as most insurance providers will reduce the monthly premium charges. You must have money readily available should an accident occur. An excess is the amount you pay toward the replacement or repair cost.

Ring around different suppliers and obtain at least three quotes. This can be time consuming however, there are great insurance websites available that can help you obtain multiple quotes quickly and easily.

Ensure you declare everything on the application. An insurance policy is a contract and therefore can only be broken if it is proven that you lied on your application form. It’s not worth the risk as it is often very difficult of obtain any form of insurance cover once you are convicted of insurance fraud.

Pay you insurance premiums annually. This will reduce the administration costs for the insurance company which, in return, will generally reward you with lower insurance premiums.

Ask prospective insurance companies whether any additional discounts are available. Often senior citizen discounts are available. You could also investigate to see whether your employer is able to receive discounts.

The information provided above could save you hundreds maybe thousands of dollars every year in insurance premiums. Talk to you insurance provider now and start to save money!

So many things have changed … The College – bound teen students’ set of today seems to include only a debit card, laptop, TV with a DVD player, and a cell phone. Of course, you may think your child is different but is he really? Will he be able to keep up with the responsibility of driving on campus? You may reply: "Oh please, surely he is ready. He has been cruising around the town with his friends". Yes, it can be so … But think about it for a second – he is driving around the unknown city, this is the territory totally unfamiliar to him. And this means – lots of pedestrians, multiple distractions and various destinations.

Here is some helpful advice on how to make sure your teen is safe on the road away from home:

Car Check

One should always check you kid’s car before he leaves for school. There might be little details to every single "insignificant "feature of the car. Start with headlights, oil level and tires.

Have a Car Accident Kit

A car accident kit is as necessary as oil in the car. There should be the following things included in it: first aid kit, blanket, flares, flashlight, batteries, jumper cables, pen, paper, emergency contact numbers and proof of insurance.

Locate the Essentials

Parents should take their teen for a drive around the college. He must know his way to the local supermarket, gas station and different malls in case he needs to buy something. The child should feel free to be the main person of his life without having to call his family and ask them where to purchase this or that product he needs.

Parking on Campus

A good parent will also show his child how to park the car. Most kids do get it wrong and make some basic mistakes. In order to avoid this parents should cruise around the area with their child, showing him how to do it right and letting him to practice parking. It is important to give your teen some tips on how to park under a light, avoid overgrown areas, park close to the street or bus stop and be aware of your surroundings.

Campus Driving Conditions

Driving in a new environment can often catch even the best drivers off guard. That's why it's important for college students to drive cautiously and remain alert in every situation on the road.

Pedestrians

Pedestrians are the main obstacle on the roads in the campus area. Your kid should always know the rules of a crosswalk and all corners.

Car Theft

Your child should know to lock the car while he is away. Don’t let him leave valuable things inside, especially with an open window.

Don't Drink While Driving

Drinking is not permitted while driving. Consuming alcohol is illegal before 21. Breaking this rule may lead to some serious consequences.

Insuring your College Student

If your child wants to you’re your car while he is at college, you should take the responsibility of informing your car insurance company about this fact. The rate for this matter may range and can go down as well as up.

So these have been the most important notes to remember when you are about to welcome your child to an adult life. He must feel secure in his car, protected and out of danger. Car is not a toy and keeping your child and the car safe are two major priorities on the road.

With people around the world thanking him for his professional approach of discussing the topic, Vasia is a frequent writer for http://www.autogismo.com/tips-for-college-drivers.html and is happy to share his vision with you there.