How does temporary car insurance coverage work?
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UPDATED: Mar 13, 2020
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Most insurance companies will charge for the whole year. However, there are times that you will need to take a policy out for a short term, such as a day or just a couple of months. Checking a thorough car insurance comparison website would be beneficial before making any decisions. This is not just for those who are traveling, but also for residents in the United States who will just need a car for a short term. Renting a car for that time is always a possibility, but this could work out more expensive. This is when you need to look into temporary car insurance. Get started now by looking at our FREE car insurance search tool!
Going to the Right Company
It is important to search for temporary car insurance when it comes to this need – there are price comparison websites that will help you but you need to be very clear into the type of insurance that you want. This will help you to save money and also find a company that is able to offer the cover for just the time that you need – no more and no less. It is a very easy process and all you have to do is put in your ZIP code to receive FREE car insurance quotes!
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What You Get for Temporary Insurance
When it comes to taking out temporary insurance, it is important to make sure that you are fully covered. Most temporary insurance will offer the minimum that you need. For the short term, this is something worth thinking about since there is less chance that you will be involved in an accident. However, you do need to think about other things, such as the vehicle being stolen, damage occurring outside of an accident or an uninsured driver hitting you.
The temporary insurance will also be able to cover you if you are driving a vehicle that you do not own. This is a great option if it comes to driving a friend’s car or borrowing a van to be able to move home. There are policies available for as little as one day, which is enough for these types of needs.
This is something that many long term insurance policies are not able to offer, no matter how much extra you pay.
This is also much cheaper than your friend adding you to their policy as a named driver – as this will cause their insurance to go up and will be for the entire time.
The length of the cover will differ between companies. Some will offer a standard 30 day cover but others will offer between 1 and 28 days cover for a small amount of money. There are also other companies that will offer a longer term, if you need it.
The length of your insurance is something that you will need to talk to the company about to find out more. The companies are less likely to advertise this type of insurance since so few people require it – especially when compared to the normal car insurance.
Comparing Temporary Car Insurance
Comparing the temporary insurance companies is just like comparing the traditional companies. Your details will still affect the amount that you need to pay and you will still find that some companies will charge more than others. This is what price comparison websites are for; they will allow you to fill out one form and will check multiple companies all at the same time.
It is important to compare like this for many reasons. Using price comparison sites will help you to cut down on the amount of time spent on searching and comparing and you will also be able to see the prices and coverage next to each other, rather that switching between windows or having to remember everything off the top of your head.
However, once you have the quotes, it is worth going directly to the company websites. There are different factors that will affect the cost of the short term insurance, including your own details. You could help to cut the cost down of the insurance – of course, this will not work as well for long term insurance since there is not as much that will be taken into account (such as where the vehicle is kept overnight for a one day insurance cover).
You may find that your current insurer is able to offer a better quote than anyone else. They will have your details to hand, so you do not need to input them, and they may also offer a discount for already having a policy with them. You own insurer may be able to temporarily extend the cover on your own auto insurance, which may also save you money.
Why Use Short Term Insurance?
You may be wondering why you would ever need to buy short term insurance. If you already have car insurance, your policy may cover you for driving other vehicles, which will mean that this is not something that you need to consider. However, not all insurance companies will cover you with other vehicles, even those that you earn.
Short term policies are usually taken out when it comes to borrowing a car but they could also cover costs when it comes to a vehicle that you have bought and need to get it home.
This will protect you against any crashes that happen in that short space of time – no matter how unlikely you think that that is.
It is also important to note that if your current car insurance does cover you in other vehicles, it will be the minimum state requirements. There are no guarantees that your insurance will cover the cost of repairs on that vehicle that you were driving, which will lead to having to pay with your own money. This could turn into a very expensive trip, even if it was just for one day!
Temporary insurance may also be something that you need to look into if you are renting a car. Most companies will not offer the minimum amount of insurance to cover the cost of the car in case you do get into an accident; however, this is not the case with all companies. You will need to check beforehand to make sure that this is available to you.
You may also find that you need to temporarily increase the type of insurance that you have. This may be the case if you are suddenly driving your car for business purposes for a short time. Your current provider will be the best place to start but will not necessarily offer you the best option for your money. Check with your provider but put in your ZIP code to find good, FREE comparison quotes!
Take your time shopping around when it comes to temporary car insurance and make sure it offers you everything that you need. Most of the time, you will be able to get liability, collision and comprehensive insurance but this is not a guarantee. You will need to talk to the company and look into the different types of cover available.
The cost will depend on a variety of factors, including your details and the length of time that you need to take the cover out for, which is something else to think about. If you are interested in receiving FREE car insurance quotes, all you need to do is put in your ZIP code!