Temporary car insurance is auto insurance that provides coverage for a short term period of time and is common for people traveling. There are many reasons why a person may be in need of this type of car insurance. One reason may be that they are traveling in a different country and want to have coverage for a couple weeks while driving through Europe. Typically, temporary car insurance provides coverage for 30 days or less to people that don’t already have insurance in the area that they are driving or for the vehicle that they plan on using. Getting this type of coverage is fairly popular over in Europe, but there are companies that offer it in the United States as well. With that said, most people that already have insurance and don’t leave the country for travels probably have not had to ever utilize temporary auto insurance coverage; it’s not very common in the states.
Why Buy Temporary Car Insurance?
Many people that don’t know much about this type of coverage wonder why anyone would spend money buying a temporary policy when one can be purchased for the long term. Being insured for a couple years is certainly better than having a short term, temporary policy – right? Well, it all really depends on the situation that you are in as a driver. Some people may be a perfect fit for this type of coverage based on the fact that they do a lot of traveling and utilize a lot of rental cars.
Don’t already have insurance
People that don’t already have car insurance and are going to be driving will need to have some for their travels. It doesn’t matter if you only plan on picking up groceries from a local supermarket or you plan on driving to a friend’s house in your same city, it is illegal to drive without insurance in most places. If you are going to drive a car, take responsibility and look to buy some insurance. I know that insurance buying can be difficult, but if you are going to postpone the buying process, at least get some temporary auto insurance coverage so that you are protected if something were to go wrong. Believe it or not, there are plenty of people that get into accidents and regret not buying insurance; don’t let this happen to you.
Renting a car
Whenever you rent a vehicle, it is not your property and the rental car agency will usually give you the option of buying insurance for it. Sometimes, standard auto insurance is included in the billing statement for your rental and you are given the option of purchasing comprehensive car insurance for additional coverage if you desire. However, many times, rental car companies don’t even provide standard coverage and you need to be aware of this as a renter. If you rented a vehicle and didn’t have standard insurance included, it would be a very smart idea to [at the very least] seek out a cheap temporary car insurance company and purchase some coverage.
Vacationing in a foreign country
People that are vacationing or traveling to another country will want to have some sort of car insurance policy set up if they plan on driving in the country that they travel to. For example, if you currently live in the U.S. and plan on going over to Ireland, it is very unlikely that your U.S. policy will cover you for your travels in another country. In this case, if you know for sure that you are going to do the driving in the foreign country, it would be smart to have a temporary auto insurance policy lined up so that you are insured from the moment you start driving there. Anything could go wrong on the road and it would be devastating if you got into an accident and didn’t have any insurance; especially if you were “at fault.” For vacations, it is always better to be prepared than sorry.
Borrowing a vehicle
Anytime you borrow a vehicle from your family or friend, it is important to check with existing insurers to see if you would be covered by insurance if anything went wrong. In many cases, people find out that damages are not covered to the vehicle unless the rightful, registered owner and insurer is operating it. If you are a borrower, make sure that you get some temporary car insurance cover if the owner tells you that it won’t be insured while you are driving it. Perhaps one of the worst things that could happen is that you get into an accident, the car is damaged, you are “at fault” and you don’t have any insurance that covers you. If this happened, you could get into a lot of legal trouble as well as have to pay a lot of money out of your own pocket. Make sure that you at least invest in a daily car insurance policy or a one day car insurance cover so that this doesn’t happen on the day that you drive the borrowed car.
Where to Get Temporary Car Insurance?
One of the best places to get temporary car insurance is through your existing insurer (if you have one). Always ask with your existing auto insurance company to see whether they provide this type of coverage because if you are already a customer, you may be able to get a better deal. Obviously it will not work to get temporary coverage through your existing insurer if you are going to be driving in a foreign country. In this case, your best bet is to look online and compare quotes to find the most inexpensive car insurance for the amount of coverage that is provided. Comparison shopping is essential whenever buying any type of auto insurance; always compare temporary car insurance rates to see whether you are getting a good value for your money.
Why Temporary Car Insurance is Important
The reason that this type of coverage is very important to have is because without it, you may not have any insurance in certain situations. You always want to have at least third party liability insurance while on the road so that if something happens to another driver, you are protected by your insurance company. Even if you get the cheapest temporary car insurance on the market, you will at least have insurance. If you have insurance, you are in a lot safer position than someone taking the risk of driving without it. Make sure that you are always conscious of whether you have coverage while on the road because the one day that you go without it, something could go wrong; even if the odds are in your favor.