Is there such a thing as temporary vehicle insurance?
Though there are alternatives if you’ll be driving briefly, major insurers do not offer temporary vehicle insurance. If you own your car, you may avoid paying for months you don’t cause by purchasing six-month insurance and cancelling after you move. Consider looking into pay-per-mile vehicle insurance if you go just sometimes. If you are driving a vehicle you do not own, you may consider additional choices such as non-owner insurance, temporary driver addition on someone else’s auto insurance, and rental car insurance.
All the Information You Need to Know About Temporary Car Insurance
Vehicle insurance coverage is only valid for a brief period—typically two to 28 days—and is known as temporary automobile insurance. There are several exceptions to this rule, but most people who employ these policies are individuals who are momentarily forced to drive a vehicle that is not their own.
When is it necessary, and how short may temporary auto insurance be?
Most insurance providers only offer car protection for terms of six months. Most of the time, they only utilize their special offers to persuade you to get a long-term policy, but occasionally, they have them for even shorter durations, such as two weeks or a month. You must sign for at least six months, even if you will only use your vehicle insurance coverage for a short time.
What Situations Require Short-Term Auto Insurance?
In several circumstances, you can attempt to obtain interim coverage for a different vehicle and modify your long-term auto insurance policy. A few of them consist of:
Holiday and business travel: The best course of action is to speak with your auto insurance provider and request temporary foreign coverage if you intend to drive a vehicle for a brief vacation to another country. This option is available for travel to Canada by most major U.S. insurance providers but not for travel to Mexico.
If you want to sell the car soon after you buy it, You can chat with your auto insurance provider about adding the automobile to your current policy if you acquire a car to sell quickly.
Temporary policy addition: If you let friends use your car occasionally, chances are good you don’t need temporary coverage because your policy probably has a provision for occasional use by another driver. On the other hand, you could include someone else in your policy if they frequently drive your car and delete them when they no longer do so.
Purchasing rental car insurance: Although it might seem obvious to accept the rental vehicle business’s insurance plan, SmarterTravel advises calling your auto insurance provider to check if they can provide you with a better bargain.
Short-term student insurance: A long-term insurance policy is unquestionably required if you’re the parent of a child who attends school and drives a car regularly. On the other hand, you need to temporarily offer coverage for them if they solely move when they come to visit you in the summer or around the holidays.
In the event of long-term automobile storage, your automobile is still in danger of being stolen or destroyed, even if it is on the road. For this reason, consider offering it as interim insurance if you choose.
If you believe you don’t have enough coverage from your existing insurance, You can get temporary additional insurance if you’re concerned that your current auto insurance policy won’t adequately protect you in an emergency.
For emergencies: In your case, you could be qualified for one-day insurance coverage if you have to borrow a car from a non-family member for an urgent journey.
2023’s Top Temporary Auto Insurance Plans
Our top pick for the finest overall temporary auto insurance is Nationwide since you may get coverage and cancel it whenever you don’t need it without incurring cancellation costs. It can be implemented in minutes, features an online estimate tool, and provides collector and vintage automobile coverage with flexible usage and affordable prices.
1926 Nationwide was established as a farming-based insurance company in Columbus, Ohio. It has become one of the world’s most well-known insurance providers, possessing solid financial standing and first-rate client support.
Our pick for the greatest temporary auto insurance is Countrywide since it’s a reliable provider with countrywide coverage, multi-policy discounts, cheaper rates for collectible cars, and insurance for motorcycles and boats.
If you would want extra insurance when driving a friend’s or relative’s automobile who does not live with you, Nationwide provides non-owner plans that you may use for Zipcars and rental cars. Only over a phone conversation with an agent may one inquire about these policies. Nevertheless, on their website, other policies are readily accessible. Nationwide offers a virtual estimate tool that allows you to get a quotation for vehicle insurance in a matter of minutes. Additionally, applying online, over the telephone, or through the mobile app is quick and simple. The website even offers a tool for finding a repair shop.
2. Progressive With its Photo Estimate Tool:
It makes filing a claim simple, so it is the best temporary auto insurance for claims. You use your smartphone to take a picture of the damage, which you then send to a claims expert. Additionally, 99% of Progressive’s policyholders receive savings.
Two brothers identified a need in the market and decided to fill it by starting Progressive in 1937 in Cleveland, Ohio, to offer creative auto insurance. It has expanded to become a national provider of vehicle insurance as well as insurance for homes, renters, boats, ATVs, snowmobiles, and golf carts.
Because of its easy-to-use claims process, which can be finished in a few minutes from your smartphone, Progressive was chosen as the top option for claims. Additionally, you may monitor the status of your claim instantly without having to give us a call or wait to find out what’s happening. This is especially useful if you wish to avoid dealing with the inconvenience of having to wait for a claims representative to get back to you and you’re just renting a car for a short time.
You may obtain a quotation over the phone or online in a few minutes. However, since Progressive doesn’t provide estimates, getting a quote could require pulling your credit.
Car collectors with extensive knowledge and expertise in vintage and specialized automobiles own Hagerty. It was founded in 1984 and is headquartered in Michigan. The firm uses youth programs, instructional materials, and historical vehicle initiatives to reinvest in the classic automobile community.
If you want temporary auto insurance for a vintage or collector automobile, Hagerty is the finest option. It also provides insurance for motorbikes, watersports, and foreign travel in certain areas. Nationwide underwrites the policies; to obtain a quotation, either fill out the online form or call the firm.
Hagerty offers insurance at a reduced rate based on your usage of your collector car. This includes driving it to club events, storing it, and entering it in shows. They promise to conserve you as much as 36 percent on premiums, but their website doesn’t list specific rates.
One can contact the Hagerty Claims Department, make a claim online, or talk to a representative. Hagerty won’t cover you if you’re a risky driver or have a history of DUIs.
Because you may obtain the same coverage and claim assistance but only pay for the distance you drive, Allstate is our pick for the top short-term auto insurance provider that offers pay-as-you-go insurance. They have a unique concept called Milewise that allows you to pay for what you use and avoid incurring fees while not using your vehicle.
As a division of Sears, Roebuck & Co., Allstate was established in 1931. Its head office is in Northbrook, Illinois, and it was split off in 1993. It operates throughout Canada and provides coverage throughout the country.
Because of its Milewise feature, we determined Allstate was the best option for pay-as-you-go coverage. Milewise offers both a daily and a per-mile premium and is intended for drivers with minimal mileage who wish to be in charge of their insurance expenses. Pay-as-you-go insurance could be a terrific choice if you don’t drive far or have to use your car too often.
A quotation is available by phone or the Internet. You may submit a claim via the app, with a representative, or online. The firm discounts new cars and safety, and you can follow the procedure on the app.
Reputable, long-standing businesses offering various coverage options, promotions, and services round out our picks of the top temporary auto insurance providers. While some firms provide different coverage options, others specialize in one area, such as vacation insurance or insurance for vintage vehicles.
Overall, Nationwide insurance is what we suggest because it’s straightforward to get started, offers a range of insurance coverages without any cancellation costs, and makes submitting a claim simple.
How much does Short-Term Auto Insurance cost?
The following variables affect how much temporary auto insurance costs:
Duration of coverage Location of the vehicle
Where and how will you drive the vehicle?
How often do you take the car out?
kind of vehicle
In most cases, temporary insurance is a better option if you only need it for a few weeks or less. Temporary auto insurance can cost a few bucks or even $100. That becomes pricey, though, if you utilize it for more than a month.
The assurance that comes with knowing you are covered for responsibility when driving is best achieved by having enough insurance before taking to the road. It is not advisable to forgo insurance, even if it is just temporary, as there are multiple workarounds.
Should I get temporary car insurance if I borrow someone’s vehicle?
Almost certainly not. You’re insured under your friend’s insurance as long as you’re licensed, get permission from your friend, and aren’t using it for business purposes. However, if this happens frequently, you should be included as an extra driver on your friend’s insurance.