Have you ever thought what you would do if you happen to find yourself driving a car for a day, week, or month, and you don’t have insurance cover yet? You will need to take some short-term insurance. This article will show you how to get it.
So, what is a temporary auto insurance?
The best way to understand this term is to share some examples. Here are three scenarios that will help you understand it better.
You need a temporary auto cover because you are driving for a short period:
Suppose you live in Kansas, and you don’t have a car and haven’t driven in a long time. Then, someone in your family gets sick, and you are forced to go and see them. So, your friend gives you his car for a month to use. Here, you get to own the car for the month. Thus, the best alternative is to take a temporary auto insurance. But how do you go about it? There are only a handful of insurance providers who offer this kind of insurance policy. Contact a couple of them and explain your situation.
Also, you can buy a one-month insurance cover that doesn’t feature penalties or cancellation fees. There are many reliable online platforms you can use to compare insurance rates so that you can get a good deal. You only need to fill your details, and you will get your quotes pronto. Once you are done using the car, you can cancel the policy, and you will get back any additional premiums that you had paid.
You need a temporary auto insurance because you are renting a vehicle:
You don’t have a car, or you have your auto insurance, but when you want to rent a car for only a week, what do you do? Someone advises you that you need to pay more to cover the rental auto insurance, but that sums up to $100 a day to your budget. That is very expensive.
Rental car companies provide temporary auto insurance but are pricier. Do not take the cover. If your credit card has a collision damage waiver that covers for rental car, consider it. If not, purchasing affordable collision coverage from a travel insurer.
You want to take short-term car insurance since you are using auto-sharing service:
You get a short-term job in LA, and you want to use Zipcar during your stay. Typically, Zipcar offers a liability cover of $100,000 for bodily injury per head and $25,000 for property damage. But that figure may not be enough.
If you smash your car into a building, or your accident injuries many people or passengers, you may end up spending a lot more than that. Remember, firms such as Zipcar charges its member $1000 for damage, not unless you purchase an alternative damage fee waiver. So, the best alternative is to consider the temporary auto insurance.