What is car insurance for days or temporary and how to acquire it?

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Auto insurance for days is a way to abide by the laws of the traffic authorities and in turn, keep yourself protected against any unforeseen event in your car. But you should know that most auto insurance companies do not offer policies for less than six months.

Or, many times people convert traditional auto insurance to a term policy by canceling it early, although some salvage title insurance providers may charge a cancellation fee.

Motorists who have a need to purchase temporary or day insurance should modify their existing policy coverage or consider other options, such as rental or non-owner auto insurance.

Here are some suggestions on how you can manage your daily or short-term auto insurance needs, to cover temporary scenarios, and when you should do it.

  • What is temporary auto insurance?
  • As we mentioned before, some insurance companies do not normally sell temporary or day vehicle policies for less than six months.
  • If you already have an insurance policy, ask your insurance provider if they can adjust your coverage for a temporary situation or days. If you don’t own a vehicle but still need insurance, a non-owner insurance policy or rental car insurance may be the best option for your situation.
  • How to Get Car Insurance for Temporary Situations
  • Car insurance is sold in units of six months or a year, which means you can’t buy it monthly. You must agree to purchase six months of auto insurance, which you can then pay month-to-month or pay upfront in full and request a refund.
  • Either way, set a reminder so you don’t forget to cancel your policy before it expires. If you paid in full upfront, be sure to request a refund.
  • Auto insurance companies typically don’t charge cancellation fees and often refund unused monthly premiums.

What short-term situations should you adjust your car insurance for?

There are a couple of temporary circumstances where it makes sense to adjust your insurance coverage. Here are some common short-term situations where you should contact your insurer to see if they can adjust your policy:

  • Temporary Coverage for Student Drivers
  • If your child attends college and constantly drives a car, they need ongoing auto insurance, not temporary coverage. But if they drive alone on vacation, he may want to adjust his insurance coverage for a temporary period to reflect those changes.
  • Borrowing your car to a friend or roommate for a one-time errand?
  • You probably don’t need to add this temporary driver to your insurance. Temporary carpooling is likely covered in your own insurance policy by what’s known as a permissive user clause, a policy that protects your car from occasional use by another driver.
  • Do you have a babysitter, relative, or a friend who regularly drives the car for a short period?
  • You’re going to want to add this person to your insurance. Putting someone on your car insurance will temporarily increase your rates, but it’s worth making sure your car is covered in case this person is in an accident.
  • Do you need car insurance for your weekend rental?
  • Buying short-term insurance for a rental car may seem like a good idea but check with your own insurance provider before choosing coverage sold by the rental company. Your own car insurance policy may provide you with enough coverage when you drive a rental car, and many credit cards also provide some coverage when you use the card for your rental.
  • Non-Owner Car Insurance
  • If you regularly drive cars that you don’t own, consider getting third-party insurance. The insurance policy provides bodily injury and property damage liability coverage, which are required in most states. Non-owner insurance is also a good option if you frequently borrow cars from others.

If you want to purchase full or daily insurance, contact us for more information about the coverage we offer at a fair price.

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By Cary Grant

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