What Is Temporary Car Insurance And Who Is Eligible For It?
There are several situations in which it makes sense to purchase short term car insurance. Well, a large percentage of people that live in big cities do not have a need for car insurance. Therefore they do not have personal auto insurance. These temporary plans can be activated very quickly and are available immediately. One example could be, if you’d like to use your friend’s vehicle for a while, you could benefit from a temporary insurance policy.
As a result, if you end up in a car accident, your friend doesn’t have to suffer the consequences for lending you the car. Also, if their car is damaged you will be certain to have the right cover to have the repairs made. As a result, any claim that you make, does not impact their driving history.
Some of these temporary plans can also cover insurance for rental cars. Also, you may be able to get insurance straight from the car rental place. Unfortunately however, most people report that insurance from car rental companies tends to be more expensive and have less features than often desired. For this reason, short term insurance can be beneficial.
Winter storage protection is also available and some people take advantage of these policies which protect them only from theft or damage while in storage. But if you’d like to take the car on a 2-week trip to California in the winter time, you may want get temporary insurance for it.
If you buy a car that you intend to resell right away then a temporary insurance policy will be sure that you are covered while you are trying to sell the car.
When you buy a new car you should secure your insurance before driving away. Some people get a short term insurance policy while they are shopping for a better, permanent plan. Your current auto insurance plan might have this already embedded into it. But you should check your current policy to see if you are covered.
Short term, or temporary, auto insurance generally has the same provisions as regular auto insurance. You can get a policy for only liability, or perhaps you want a full coverage. Some short term policies give you the option of including coverage for medical expenses.
It could be useful to read the restrictions and the fine print, such as any terms or conditions, to make sure that you get exactly the protection you’re looking for. In order to assess how good a company treats their customers, you should look at their ratings and reviews online.
In order to get temporary insurance coverage, you have to be over 21 in most cases. This isn’t to say that if you are younger than 21, you won’t find an insurance policy – because you can – but it will be more expensive and difficult. Getting the cheapest price is easy when you are getting multiple insurance quotes.
Finding the right insurance policy isn’t always easy. Finding car insurance quotes is easy at Kanetix.
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