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How to Get Short Term Car Insurance
Short term car insurance is something that not many people get in their lifetimes. However, there are some situations in which you would definitely want to have this type of coverage! If you are a tourist coming to the US for a few months to travel around, you might actually buy a cheap car. In that case you would want to find a short term plan. If you don’t actually own a car but plan on driving for a certain purpose like deliveries or taxi service, you will also want some coverage. Finally, anyone driving a car they don’t own should get covered under their own plan. It’s a harsh reality that some car insurance follows the driver, not the car, so if the driver isn’t driving...you might be on the hook.
Other countries have more options for short term car insurance, and even some US states offer temporary 7 day plans, but for the most part, if you need less than 6 months in the US, you will have a hard time finding it. That’s because most car insurance rates are based on people paying a certain amount as a premium that will balance out the effect of something bad happening. While it is unlikely that the insurance company will have to pay out, they want to make sure that you are covered and that’s why most plans are a year, with some that last 6 months.
Short term car insurance isn’t a thing in the US primarily because it’s actually not really needed and most people don’t really use it. If there was a need for it, you can bet that insurance companies would be on it! Most situations that require car insurance are best suited to a longer term plan. For example, you may think that if you have a special car that you only take out in the summer that you only want a 90 day plan for those warm summer months. However, you will actually want to get a stowaway plan for when your car is in storage because what if someone steals it or a tree falls on your garage? You never know what is going to happen and just because your car is in a garage doesn’t mean that you can’t get damage!
However, if you don’t have car insurance and you rent a car or moving truck, you will definitely want to sign up for the insurance offered at the desk. You may find that it is costly but it is much less expensive than footing the bill for something that happens on your watch to the car. You can’t control if someone is going to break in or if someone else will be driving like a jerk and cause you to crash! If you’re not certain, make sure to get covered. Check with your bank and current car insurance to make sure they cover rental cars before you decide to not opt into the insurance. Some credit card accounts will cover it while others do not. Some car insurance does not cover rental cars too!
So, while true short term car insurance may be a pipe dream, there are still ways you can get different types of coverage for different amounts of time, so try to find the plan that works best for you. All you have to do to get covered is fill out the form and you will get access to free quotes for insurance that will work well for you. It’s really easy and it’s completely free. Give us a call or fill out the form to get access!