Temporary Auto Insurance: Short Term Drivers Money Saver
Insurance General Comments (0)
Buying temporary auto insurance is a money-saving option for drivers who don’t use their car on daily basis, but rather on vacations, once or twice a year. Why pay for full coverage insurance all year round, when you only need it for two-three weeks or one month a year? Short term car insurance policies are usually issued for periods that go from one day to six weeks and they can offer full coverage or limited liability, depending on the car driver’s needs.
Situations When Temporary Auto Insurance Is Better Than Full Year Round Car Insurance
1. Let’s suppose you own a car and usually you’re the only one who drives it. You have auto insurance, but since you knew nobody else would drive your car, you didn’t ask for multiple drivers coverage, in order to get cheaper rates and lower premiums. Now your brother is visiting you, you go together on a long trip by car and you could use another driver to help you, so you can have your rest intervals. By buying temporary auto insurance to cover another driver, you’ll have to pay more only for the duration of your trip and not for six months or one year. The law requires that even temporary drivers are financially responsible of the consequences of their driving, so don’t drive without insurance, otherwise you may find yourself in deep trouble with the police.
2. Your family owns two vehicles, but you use only one for daily errands and for commuting to work. However, when you go on vacation, you prefer to take the other car, the family car, which is much bigger, which has a bigger trunk and which offers more comfort on long travels. Why pay full coverage auto insurance premiums for a car that sits in the garage 350 days a year? You can have only the legal liability covered permanently and buy temporary full coverage insurance only for vacation periods.
3. You are a tourist from outside the States and you buy a car in the US. In this case, you need to have your car insured while driving it on the US territory, and you need to do it even before you drive the car from the showroom to your hotel. Here, the story may be longer, because the law requires that you register your car, but you have to be a resident and it’s illegal to register it on a friend’s name. If you intend to buy a car in the US, don’t forget to bring your driving license with you and to check with your local insurance companies, maybe they do offer US coverage. For instance, in Canada it’s possible to obtain auto insurance with coverage for both Canada and US.
If you want to have some fun, you can watch this little movie – it’s a commercial that will surely make you smile, but it explains the advantages of short term car insurance pretty well:
How To Get Temporary Auto Insurance Quotes
First of all, you need to know that temporary insurance for vehicles may not be available in all states. For example, you can’t get a temporary auto insurance in California. If you want to drive the car of your California resident friend, he’ll need to add you on his insurance policy in case it’s not already covering multiple drivers. This is why you need to check only with carriers within your area, to see if they do offer this type of policy. The premiums will probably be higher per day than in case of regular auto insurance, but overall, you’ll spend less money, so it’s convenient. Getting quotes is easy, you can use an online form like the one we provide here. The only information you need to provide to get the quotes is your zip code. Your name or other identifiers aren’t required, so confidentiality is total.
admin @ August 13, 2009