Temp Car Insurance-Having car insurance is the law in most states, but what happens if you only need to insure your car for a short period of time? Any time that you allow another person to drive your car is a time that you need to have a short-term car insurance plan. This includes those times when you let a friend borrow your car, or let your child learn to drive using your car. This is when temp car insurance, also known as temporary car insurance, or day car insurance comes into play. Finding the right temp car insurance can be difficult if you have never done it before, so it’s important to use this handy guide before you sign anything.
Temp car insurance is a must for any short term rental car, or any short term car in general. Many car rental agencies, along with companies that lease cars offer their own brands of temp car insurance. The prices and coverage may vary, but it’s worth looking into since it’s convenient. If you are renting a car, or leasing it, many companies will insist that you choose their car insurance over another company’s. If this is the case, your hands are tied.
People who have more freedom in their choice of temp car insurance have a lot more to consider. The price per day (or month) of your temp car insurance can vary greatly depending on how long you need to insure the car. The easiest way to find a good price for temp car insurance is to go online, and get some free quotes. Comparison shopping is an excellent way for savvy shoppers to find the best rates available.
As a general rule, the longer that you are insuring your car using this insurance, the lower the rates will be. The less risky that the new driver happens to be, the lower the insurance rate will continue to go. Other factors, including where you live and local laws, can influence the price of temp insurance immensely.
Not all insurance companies cover the same things with their insurance policies. Some will only cover liability, while others will cover both comprehensive and liability insurance costs. Moreover, some car insurance companies already cover their customers with temp car insurance as long as they are alerted of the need. It’s best to check and find out if your car insurance company offers this service for free.
It’s also worth looking at the customer service ratings of each insurance company that you have been considering buying temp car insurance from. Complaints from customers who actually needed help should be paid special attention. If an insurance company behaved poorly with the customers that need to claim damages, it’s very likely that they will do the same to you. Look for a company with a fast time average when it comes to payouts, and also lots of customer support reviews. It’s a smart idea to pay extra for temp car insurance that is high quality instead of taking a chance in order to save a dollar or two. Many shoppers will also refer to a company’s Better Business Bureau report before buying temp car insurance from them.
The bottom line is that you can’t rely on just cost alone. Quality is important when it comes to temp car insurance, and it’s not something to take lightly. Before you let someone else drive that car, make sure you have full coverage with temp car insurance.
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