When you are looking for cheap temporary auto insurance, it’s not enough to take the first offer handed out to you. You need to compare car insurance rates provided by different car insurance companies. In this site, you will be given such comparison and all you have to do is to type in your zip code.
Typically, a car insurance policy is only valid for a year. Let’s say you don’t own a car that long. Should you skip getting car insurance instead? Well, you shouldn’t. You probably can’t pay for a one-year car insurance premium. Let’s say you also just borrowed your friend’s car for a few weeks. Should you also skip getting car insurance? Your car insurance policy is only applicable to the car you actually own. It doesn’t cover your friend’s car.
Your best option is to get a temporary car insurance coverage. Paying a premium that covers the car for a year is impractical. The temporary car insurance coverage is cheaper. You only get to pay for the insurance whenever you drive it. Of course, such insurance policy is allowed for people with no long-term tie-up with a different insurance company.
The temporary car insurance coverage is not only for individuals who borrowed their friend’s car. If you have a brand new car, you could get a temporary car insurance coverage if you are still processing your comprehensive car insurance coverage. However, don’t take it as an alternative for your standard annual policy.
There are also other instances wherein you can avail a temporary car insurance policy. If you rented a van to help your family move out then you can get one. You could also get a temporary car insurance policy if you deliver a car to someone out of your city and you have to drive it. Traveling and getting a rented car is typical nowadays. However, if you rented a car, always get temporary car insurance policy.
Don’t take a temporary car insurance policy for granted. If you are selling your old car and agreed to a test ride then get a temporary car insurance policy. Remember, regrets are always in the end. You might not know what will happen in just a short test drive. The potential buyer might not have any car insurance that could protect your car from the test drive. As what most people say, it is better to be safe than sorry.