Temporary Car Insurance

Car insurance is an important pre – requisite for driving a car in all states of USA. Usually there are two types of auto insurance -     long term and short term. Getting a long term insurance for cars is tedious process and costly. Short term – Temporary car insurance is gaining popularity these days and is much in demand.

Temporary car insurance is relative new auto insurance product that can be availed just for a single day or extended to limit of twenty eight days. Applying for temporary car insurance is very easy and can be acquired within few minutes. The usual tedious process of walking into an auto insurer is not necessary here as this can be applied and got through internet. The policy documents can be printed out and used while driving. But driving a car without insurance is illegal and attracts fine or imprisonment according to US auto laws.

Temporary car insurances can be availed for a number of reasons. If one does not use car for whole of the year but only for a particular period, one can avail short term car insurance so that premium costs are lower. Short term car insurances can be also be used for one day vacations to other states while borrowing other people’s car. Temporary car insurances are highly useful for people with international driving licenses. Availing long term car insurance may take some time in foreign countries and drivers can avail short term insurance during that period. Also yearly insurance premium for luxury cars is expensive and one can avail short term insurance and pay fewer premiums only for the time they use the car on roads. We can be sure that our car gets the required insurance coverage at less cost with help of short term insurance. Moreover a traditional year long insurance will not provide cover if the car leaves the state and is being driven in other state, but temporary insurance gives full cover in these situations.

The greatest advantage of temporary car insurance is that even provisional license holders who do not own permanent license can avail insurance coverage for their cars.  There are many attractive short term insurance plans for students and young drivers under the age of 21. Insurance companies look for past records before offering insurance cover. It is highly important that we should read the insurance document and provide genuine information at the time of applying. Any falsified information can result in termination of contract between insurance company and car owner.

There are a few eligibility criteria to avail short term car insurance. I) should have a permanent or provisional driver’s license. II) Age limit from 21 to 75. III) Should not have more than 6 penalty points in last 3years.
There are many companies that offer short term car insurances on internet and we can compare the price quotes of different companies and choose the best one within few minutes. It is important to bear in mind that temporary car insurances are not a substitute to long term insurance. It is only at times of need and emergencies that short term insurances should be used.