Temporary Car insurances are short-period insurance policies, which can be cancelled immediately at the owner’s request. Temporary plans are hard.
Although there may be some genuine and legitimate reasons for the need for a temporary car insurance plan, most of the time ends up being used for crimes and in others wrong situations.
The following are some situations and their workarounds, in case you ever need temporary car insurance.
For vehicles that you only drive on weekends:
If you are a proud owner of a vehicle that you only use on weekends, but are paying a fortune for its insurance the whole year, then you must be worried about all this extra expense.
If however, your weekend vehicle comes under the category of the collector or antique cars, then things get easier for you.
You can buy a limited-use policy that allows you, taking your car on drives occasionally.
The only requirement of the plan is that you keep the mileage of your vehicle low, approximately between 2000 to 3000 miles in a month.
The policy rates are low, and so you can continue the policy throughout the year without cancelling and restarting it.
However, if your car does not come under this category and is a regular car, then you can only cancel and renew your car insurance policies according to your needs.
Most of the car insurance policies allow you to drop and add your car between the year so that you are not left hanging with the insurance on the car that you only occasionally use.
For a rented car:
If you need a vehicle for only a short duration of time, then you would need an insurance that can cover you for that particular period.
Usually, rental agencies can provide you with these policies that are sufficient for your needs but the costs from these are high. The plans may cost $15 per day that can be a lot in some cases.
For avoiding such huge prices, you can always use Non-owner car insurances.
These policies act as a secondary coverage when you are borrowing or renting a car from any of your friends.
The major benefit in using this option can be that it is comparatively cheaper that the first choice.
For a borrowed car:
If you have borrowed a car from your friend or relatives, then you don’t need to worry.
Most of the car insurance policies cover all the people that will operate on the car, but with the owner’s permission.
If you have borrowed your friend’s car and have met with an accident, then the liability insurance that your friend has done for his car will also be valid if you were present at the scene.
Car insurance vacation home vehicles:
If you have any car that you keep at your vacation home and you only use it on holidays and never touch it otherwise.
But then also, it is mandatory for you to register your vehicle with the state department.
In such a case, you only have a single option to take. You can use the drop and add vehicle feature that all the car insurance policies provide.
You will have to drop the vehicle insurance when you do not have to use the vehicle and add it back to the policy when you are about to take it to on te drive.
If you need any further advice or assistance about any temporary car insurance policies please call us at Cheapest Auto Insurance for full advice as laws and policies may change.
Or simply drop you info in for a quote of insurance! by simply going to the home page aautoandhomeinsurance.com and using the quote form. Takes less than 30 seconds.
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