Most major car insurance carriers offer temporary auto insurance. This is something customers purchase when they encounter situations where the normal policy is just not appropriate. Coverage for any less than one year is considered short-term or temporary. The coverage period for a temporary policy is typically from one to 28 days.
There are several reasons why someone would want temporary car insurance coverage. Many times, when a new car is bought it is not covered by insurance. To be able to drive the car once bought, there has to be a policy covering the car.
Temporary auto insurance is also bought when a driver will not be driving the car for an entire year. This policy allows the driver to avoid paying for an entire year's policy and be able to keep the car on the road.
Another situation may be when a driver is in the middle of a move. The temporary policy covers the driver until they move or for when they arrive at their new location.
Advantages to having temporary car insurance:
1. The policy can give cash coverage for comprehensive or liability coverage.
2. Temporary breakdown coverage is available.
3. Not very expensive.
4. The driver chooses the time period of the policy.
5. Easy to obtain/ quicker to get.
6. Offered online.
7. No premiums to pay for the entire year.
8. Driver pays for only what they need.
9. For a driver who needs coverage fast.
10. Not committed to a long term policy.
For the ultimate in flexibility and convenience its hard to go past short-term car insurance in some circumstances.
Temporary car insurance is a great way to ensure your car is covered in event of an accident while retaining control about how or who you insure with longer term. You can buy cover for a few weeks or even for just one day. Car insurance has never been more competitive and flexible as it is these days.
Written by Robert H. Jones
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