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What's So Great About Temporary Car Insurance?
If you think you’re not going to be driving your car much then you will need to get temporary car insurance. This is a type of insurance that covers you for less time than the usual 6 or 12 month periods often required by more usual car insurance companies. Some people get temporary car insurance instead of having insurance all of the time if they’re not going to be using their cars all of the time. So, what is short term car insurance good for anyways? If you find yourself fitting into any of these categories then you will want to find your own short term insurance plan for your vehicle.
If you’re just coming to the US for a few weeks or months, or you’re only going to be driving around for a short period of time on a road trip, then short term car insurance is probably for you. Lots of people buy a short term car for a trip, so why not have temporary car insurance too?
If you already have car insurance, or use a car share service that provides you with insurance, you can still get temporary coverage to supplement your programs. Some people like to get more insurance during the winter when a skid on the ice could lead to some bad situations. Other people like to get it to supplement their rental car plans, so they will definitely not be fiscally liable for anything that happens on their watch.
Borrowing a Car
No matter the purpose, if you’re going to be borrowing a car, you should get insurance cover for a short period of time. Whether you’re going to be driving around a sick relative who can’t drive themselves, or borrowing a car from someone who is going to be out of town, you will still want to be covered because you never know what can happen.
Tips for Short Term Insurance
When you are getting temporary insurance, you may need to do some research first. If you’re getting a rental car, using a car share or borrowing a car from a friend or family member then you will need to contact the owner of the car or the rental company and find out what type of coverage they have to begin with. That way you won’t double up on anything that you don’t actually need. Most of the time you will discover that you feel more comfortable with that extra bit of coverage! Some personal car insurance policies may cover rentals, but keep in mind that your homeowner’s or renter’s insurance does now.
You can even get certain special “non-owner” car insurance policies that will cover you as the driver even if you don’t have your own car. Temporary insurance usually covers the same things as the usual coverage, it just covers you for a shorter period of time.