There are about 10 million auto accidents each year.
At this point, it’s not about if you will get in an accident, small or big. It’s when. And if you are caught without insurance during the accident, you could pay thousands. And being in a car that’s not yours is not an excuse.
If you don’t drive often or won’t be driving for long temporary auto insurance is a great way to keep the vehicle and yourself safe. Not sure what exactly it is or how it helps? Read on to find out more:
What Is Temporary Auto Insurance?
Regular insurance companies offer insurance options, but the coverage lasts usually a year. For some people, this is too long. So temporary auto insurance policies are perfect alternatives for those who only want the coverage for a couple of weeks or months.
This options can be cheap and convenient. As they would be less expensive than another more long-term policy. But just because it is cheap doesn’t mean that it doesn’t offer a lot.
These types of auto insurance can cover a variety of different incidents or bills. Which is nice if you are someone who is looking for coverage on a budget.
Who Might Need It?
There are different reasons someone may want to purchase temporary auto insurance. One is if someone is visiting a different country and is staying for an extended period of time they may want to buy a temporary car. To cover that car they would purchase temporary auto insurance as well.
People who are planning on switching cars sometime soon may purchase temporary insurance as well. Especially those who are renting a temporary car as well.
Sometimes this kind of insurance is purchased if a driver feels as though their original insurance doesn’t cover enough of what they need. This is usually in terms of liability.
Different Types of Coverage
To start your search for temporary insurance is to start asking around about non-owner liability policies. These are meant for people who don’t own their own cars and can be useful in the events of borrowing or renting someone else’s.
Temporary insurance also can cover other things such as comprehensive coverage. Comprehensive coverage is what will help you pay for damages if your car suffers a non-collision incident.
This insurance in some cases can also cover if your car gets towed. If you get into a car accident with the vehicle and you have some medical payments then this insurance may cover that as well.
To start your search for this temporary auto insurance start with asking your current insurance company. If they do not offer it ask other mainstream insurance companies.
Questions To Ask
Before you make a final purchase you should ask yourself some of these questions. They will help you determine whether you really need temporary insurance.:
What does your current insurance really offer?
Some insurance companies offer temporary insurance when you are in between cars or for cars that aren’t yours. This would help if you were planning on getting a rental car as you wouldn’t need to purchase it from the rental company.
What does your current insurance not offer?
If you were looking into purchasing temporary insurance to supplement what you already have check what your current policy doesn’t cover. Whatever you’re looking to supplement will need to be what you are currently lacking. Asking this question will help you find the right temporary insurance for you.
Does the car already have insurance?
If the car you’re using belongs to someone else, ask them about insurance and whether they already have it. If their policy is extensive enough it might also cover you driving it too.
Get a Quote Today
Finding the right insurance for your car can be tedious. You want to ask the right questions and make the right decision so that when something happens you’re covered.
To get a quote today on temporary insurance request a quote from us.