Whenever you need to use a car other than your primary one you will still want to have coverage in case an unforeseen accident occurs while you are driving a temporary one. Many car insurance companies have policies to protect for just this kind of thing, called temporary car insurance coverage or short term auto insurance coverage. These policies give you the same kind of coverage you have with your normal policy except you only pay for it for the days you will be using it, these types of policies can also be used when someone else is driving your car.
If you were to name them on your policy their specifics could end up in your record, and could affect your premium rating, but not with these short term policies.
Just like regular car insurance, temporary car insurance can be third party liability or comprehensive in coverage type. Third party liability will only cover damages caused by the driver to another person or to property. Comprehensive will take care of a wide variety of problems, such as fire damage, theft, damage from vanadalism, and damage from weather.
This is all while also encompassing the basic legally mandatory coverage that third party liability would grant. While it doesn’t cover every single car-related problem under the sun, comprehensive covers enough of the significant problems that you’re generally unlikely to be put in a situation where your insurance won’t cover you.
There are many ways to get short term auto insurance quotes from various insurance companies, many of which you can do from your own home, on your own time! Many websites offer comparative quotes for many of the companies in one website, saving you the trouble of inputting your information all over again for each policy, and you can see a side by side comparison of different policies.
Most of the time you will receive your quotes via e-mail, which gives you the chance to compare using your specific needs rather than some predetermined list of issues. By and large, receiving your rate quotes online is much easier and more efficient than physically going into each companies store and sitting down with a representative.
Remember, just because you’re driving a vehicle temporarily, it doesn’t mean that you can drive around without insurance! Insurance is required to drive legally, and it’s just plain a good idea regardless. Short-term insurance is incredibly cheap compared to the potential costs of paying for accident-related repairs out of pocket. Don’t sabotage yourself by being lazy and not getting the tools you need to protect your wallet.
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