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Auto insurance companies don’t offer temporary coverage options, but if you need temporary coverage, you can cancel your coverage or use non-exclusive coverage.
Very Cheap Temporary Car Insurance
Written by: Daniel Robinson Written by: Daniel Robinson Author Daniel is a staff writer at Guides and has written for several automotive news websites and marketing companies in the US, UK and Australia, specializing in car finance. and car maintenance issues. Daniel is the team’s authority on auto insurance, loans, warranty options, auto service, and more.
Your Guide To Temporary Car Insurance
Editor: Rashawn Mitchner Editor: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Group Editor with over 10 years of experience covering personal finance and insurance.
Whether you are using your car for a short time in a new city or you are planning to sell your car soon, there are many reasons why you may need temporary insurance. The thing is, temporary car insurance is not a standard option with most car insurance companies.
There are ways to get short-term insurance so you don’t have to use coverage for six months or more. In this article, our team of guides will provide you with temporary insurance options and recommend some of the best car insurance and the cheapest car insurance companies.
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Do You Need Temporary Car Insurance?
The Guide Team is committed to providing reliable information to help you make the best decisions about your car insurance. Because consumers rely on us for objective and reliable information, we have created a comprehensive rating system to enhance our position as the best auto insurance companies. We have collected information from a large number of car insurance companies and rated the companies based on a variety of criteria. The final result, after 800 hours of research, is an overall rating for each provider, with the largest insurance company at the top of the list.
Most auto insurance companies, such as Geico and Progressive, do not sell temporary or short-term insurance for less than six months. Some websites may try to lure you in by offering weekly or monthly car insurance plans at low prices.
However, submitting your information online to get a car insurance quote or calling can send you to a car insurance agent who will give you a longer plan.
If you hear about a company offering temporary car insurance policies that last for a day, a week, or a month, it may not be legitimate and may be a scam. The six-month policy is the shortest period available.
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Fortunately, it is easy to sign up for the right car insurance, and it takes a little time. For example, you can buy a six-month plan and cancel the policy after a few months when you sell the car or stop driving. Your car insurance provider will not charge you for the remaining months after you cancel, but you may be required to pay a cancellation fee.
Additionally, if you only drive your car occasionally, you should consider signing up for a premium insurance plan. You may be rewarded with a small amount or pay only for what you drive.
While temporary auto insurance policies do not exist, there are situations where you may find yourself in need of short-term coverage. These include:
What if you only need car insurance for a short time? In fact, it is easy to get a car insurance plan online and cancel it when you no longer need it. Your options may include trying non-owner auto insurance, buying rental insurance, or trying a usage-based insurance option.
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The simplest short-term car insurance plan is a standard plan for temporary use only. Most auto insurance policies start after the first payment, which means you won’t have to wait long to get coverage.
While most auto insurance policies don’t charge a cancellation fee, check to see if the policies you’re considering do. Still, it might make sense to buy a month’s worth of car insurance and pay a smaller cancellation fee or loss deposit than looking for transportation.
If you frequently drive a vehicle that you don’t own, non-owner auto insurance can be a good alternative to temporary coverage. Maybe you get around and use a car sharing service or frequently use a friend’s car. You can get non-homeowner coverage from major companies in an additional 6 or 12 months.
The advantage of a non-owner policy is that it is less expensive than standard car insurance. This is because it usually only covers personal injury and property damage if you cause an accident. Non-owner’s insurance is useful if you:
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Most car insurance plans cover the first time driver and anyone who drives the car occasionally. This means you are covered if you drive someone else’s car. However, if you plan to drive someone else’s car regularly, consider getting non-owner coverage or adding yourself to their policy if you live at the same address.
If you are using a rental car and do not have your own insurance, you can get insurance through the rental company. Rental car insurance is not the cheapest option, but it will cover you while you are using your car and will help you avoid buying a full insurance policy. If you choose to purchase additional insurance from the rental car company, you may not need to pay the deductible in the event of an accident.
Safe drivers can get discounts through usage-based programs like Progressive’s Snapshot® or State Farm’s Drive Safe & Save. Also known as insurance telematics, these programs track driving behaviors such as acceleration, cornering, braking and time of day. They also track mileage, which often accounts for a large percentage of your overall rate.
This means that someone who drives infrequently can save more on insurance with a usage-based plan than someone who commutes every day.
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Mileage-based car insurance is a subset of consumer insurance. But with this option, one thing that matters is your distance. If you only drive occasionally, you can save a lot of money because you won’t have as many miles on the odometer. Some examples of this coverage include:
With these plans, you usually pay a low monthly fee plus a per-mile rate. Pay-and-mile plans also come with daily limits, so you can take a road trip without paying for it.
Note that some pay-per-mile insurance plans may require you to drive the car or at least move it occasionally to keep the sensors working. This is the case with Metromile.
If you are an upcoming college student, most companies will offer a discount on your home insurance policy if you leave your car at home and go to school more than 100 miles away.
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If you store your car when you are not using it, you may be able to get a comprehensive policy from your insurance company. This includes things that can damage a parked vehicle, such as ice or debris. But it doesn’t affect accidents, so you can’t drive. Some companies may require you to keep your car for at least a month to get this coverage.
If you are storing your car for a long time, you can deregister the car and cancel the insurance altogether. Before canceling coverage, contact the DMV to clear your registration or coverage will be void.
Here are a few things to keep in mind when looking at the short term car insurance options listed above. These include:
However you decide to deal with the need for temporary coverage, make sure to avoid damages in your car insurance. This happens when your car is registered in your name and there is no insurance. Auto insurance companies report directly to each state’s DMV, so your state will know if you’ve dropped your coverage but still have a registered vehicle.
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Some providers charge a cancellation fee of up to 10 percent of your car insurance premium, but this varies by company and state. If you’re looking for temporary coverage, it may be worth paying less to avoid paying upfront.
But if you’re shopping and planning to cancel a new policy, find out what fees you’ll need to pay when you decide to end your contract.
While there is no temporary insurance, there are many other options available. When you decide what kind of coverage you want and need, consider how much coverage you can realistically get for the price.
While you cannot legally have an insurance policy that is valid for less than six months, if you do not have a car, you can cancel the coverage when you no longer need it. You can also try options like non-owner auto insurance or rental car insurance to help you through your unique situation.
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If you decide