Auto insurance is intended to protect you and everyone you share the road with from the potential high costs associated with an accident. Almost every time you get behind the wheel of a vehicle, you need auto insurance. Temporary auto insurance, also known as short-term car insurance, is when you only need coverage for a short period of time or six months of the year. However, while temporary car insurance is not usually available in the U.S., you do have options when it comes to needing car insurance for a shorter period of time.
There are a variety of situations or circumstances where it may make sense to purchase a temporary car insurance policy. We can help you decide what car insurance policy is the right choice for you based on your needs.
4 Situations to Consider Getting Short-Term or Another Type of Car Insurance
There are a few circumstances where it makes sense to purchase short-term car insurance or a different type of car insurance policy to keep you covered in case of an accident.
If You’re A Ride Sharing Professional
Drivers who use their own car for ridesharing services like Uber and Lyft may discover their regular auto insurance policy does not cover ride sharing. Ride sharing companies may offer insurance with certain limits to their drivers, but it’s important to understand the limitations. You may also want to speak with your carrier about purchasing a business auto insurance policy to see if it’s right for your needs.
If You Rent Cars Frequently
It’s important to remember that your current auto insurance policy may already include coverage options on renting cars, so ask your carrier if rental cars are covered in your policy. This can help you avoid spending extra money on insurance from the car rental company. If you decide to purchase a rental car insurance policy, be sure you understand the coverage so there are no surprises if you were to get in an accident.
If You’re “In Between” Cars
Depending on your situation, your options for car insurance can vary. If you plan to purchase a vehicle in the near future, you should have some kind of continuous insurance policy. If you don’t plan to drive ever again you can look into cancelling your policy altogether. It’s important to speak with your carrier about your situation and determine the actions to take on your policy so you are never without coverage.
If You Don’t Own A Car, but Drive Occasionally
If you don’t own a car currently, but might need to drive one occasionally, you can look into a non-owner policy. This may be the case if you borrow a car for personal use or if you drive cars professionally that you don’t own. No matter if you own the car or are behind the wheel, it’s important to obtain an auto insurance policy to protect you financially in case of an accident.
What is the cost of short term car insurance?
Auto insurance rates are determined by a number of factors, including what type of car you’re insuring, your driving record, where you live and more. The cost of short term car insurance can vary, so it’s important to shop around for the right price. We can help make the shopping process easier by comparing car insurance rates from some of the most trusted carriers to find you the right policy at the right price.
SelectQuote Can Help You Find Affordable Temporary Car Insurance
Whether you are looking to explore your temporary car insurance options or wanting to learn more about auto insurance, SelectQuote can help. We shop and compare car insurance coverage and rates from some of the most trusted insurance companies in the nation. We’ll take the time to learn more about your needs and situation to help you find the right amount of coverage at a price that works for you.