Temporary Auto Insurance: Who Can Get It And How

When a person only has temporary ownership of a car it is a good idea to get temporary auto insurance. Going vacation driving or when a new driver will begin controlling the responsibilities of a vehicle are prime examples of these times. Every state in the US does not offer this type of insurance. However, temporary auto insurance will give you the protection you need - from full coverage, to liability, depending on which insurer you go with.

Many people ask why they should consider purchasing a temporary auto insurance policy.

The prime reason would be to prevent having to pay the costs of having an accident when you first drive off the showroom floor. This could happen when a temporary driver is not covered through your current insurance policy. If a person driving your vehicle is going to be driving a lot of miles on back-roads or on highways, you should definitely consider getting a temporary auto insurance policy.

Are you concerned about bad weather? Is hurricane season coming up, and do you think your car might be effected? In this case, a temporary car insurance policy would be just the right thing. Take the time, however, to be positive you have gotten the proper amount of coverage. In the example of a storm, comprehensive coverage would be your best bet.

You must also remember that a temporary car insurance policy is only designed to cover a vehicle for a matter of weeks, not months. If you are looking at having ownership of a vehicle for close to six months, a standard auto insurance policy is what you need, as this is the normal term for these. The premium rates for temporary auto insurance tend to be higher than that of your standard annual rated policy. A temporary car insurance policy can give you the liability and/or full coverage that you need, in accordance to your specific preferences and situation.

If you're going to let your son or daughter borrow your car, or take turns driving on a long family road trip, make sure that everyone driving is covered by taking out a temporary car insurance policy today. Get with your insurance agent and put your children on your policy as additional drivers to make sure that you and your family can drive safely.

temporary auto insurance policy
temporary auto insurance policy