Temporary Car Insurance


Since you are researching temporary car insurance, there must be some sort of car related activity coming up that has you wondering if you are adequately protected against any and everything that can go wrong. No matter where you’re going to be driving, one thing’s for sure. You absolutely must have car insurance. Assuming you already have an existing policy that covers you and your family’s vehicles, you are probably good for most daily incidents that could occur. That the way it should be, but let’s say you take one step away from your normal driving activities and you are doing something different, maybe you are in a different car, or a different place, with say perhaps a different person, or for a different reason that isn’t covered by your standard full-term insurance policy. You should be searching for something that is relatively inexpensive, easy to set up, can be set up at a moment’s notice and covers your temporary car insurance needs.

The most common situations calling for temporary car insurance are listed below:

  • You have borrowed and are driving someone else’s car, and neither of you have policies that cover an extra driver, or the reverse scenario; someone has borrowed your car and would be driving without proper coverage.
  • You rent or even borrow a van or truck to help someone move.
  • You are delivering a car to someone out of the area and you are only going to drive it once.
  • Your car is in the shop and the mechanic has set you up with a loaner.
  • You are traveling and renting a car. While your policy may cover some damage if it were to be done, buy the insurance. Trust me, I have lived this nightmare. Check your coverage.
  • You are selling your old car. It is better to be safe (and legal) than sorry. Who knows who might happen on just a short test drive? Chances are the potential buyer doesn’t have any insurance to protect the car they are testing.
  • You are driving your classic car in the summer for auto show. There is absolutely no point of keeping very expensive all year policy for your classic car.
  • You are headed out on a road trip with three friends and you are the only insured driver. The trip is 3000 miles. Do you honestly think you will really be the only driver? Make sure all drivers are covered under some policy. It’s the law.

Speaking of the law, it is always a good idea to check into what laws apply when you will be driving in a different state. It is up to you to protect yourself against expensive and legal ramifications when you are involved in an accident that can result in damage, injury and loss of property and possibly life.

Usually the best way to get temporary car insurance when you are traveling is to buy it through your insurance company in addition to your permanent policy. Generally your company let you add your temporary car insurance onto your policy and then cancel it once you are done using it.

If you end up buying the temporary car insurance from an outsider, like a insurance company in the state you will be visiting or through the rental car company, you will find that this way is less cost efficient. You might have to buy an actual insurance term policy, which is usually a minimum of 6 months. So unless you will need it for the full six months, it is a waste.

Almost everyone needs some temporary car insurance at one time or another and it is the safe responsible driver that realizes this and is smart enough to take the time to explore their options. This is how you can be sure to find the most beneficial and cost-efficient policy for your traveling needs so that you are properly insured. How the terms of your particular policy are set up is up to the company you end up contracting to carry your coverage. If you are unclear to any of the stipulations you may even consult your attorney before you sign up.

Most of the temporary car insurance have:

  • Complete coverage in case the car goes out of order because tire damage, vandalism or theft.
  • Coverage of responsibility aimed at 3rd parties, including bodily injuries or destruction of property.
  • When some of the insurance companies are writing your policy you can add extras such as:
  • Road side service and coverage should you break down on the road
  • Reimbursement of uninsured loss as specified in the conditions of the policy.

Now you should be able to go and find the temporary car insurance that will satisfy your needs, unless you are a young driver under the age of 21. Once the driver is closer to 25, it gets a little easier to become insured.

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Temporary Car Insurance


Since you are researching temporary car insurance, there must be some sort of car related activity coming up that has you wondering if you are adequately protected against any and everything that can go wrong. No matter where you’re going to be driving, one thing’s for sure. You absolutely must have car insurance. Assuming you already have an existing policy that covers you and your family’s vehicles, you are probably good for most daily incidents that could occur. That the way it should be, but let’s say you take one step away from your normal driving activities and you are doing something different, maybe you are in a different car, or a different place, with say perhaps a different person, or for a different reason that isn’t covered by your standard full-term insurance policy. You should be searching for something that is relatively inexpensive, easy to set up, can be set up at a moment’s notice and covers your temporary car insurance needs.

The most common situations calling for temporary car insurance are listed below:

  • You have borrowed and are driving someone else’s car, and neither of you have policies that cover an extra driver, or the reverse scenario; someone has borrowed your car and would be driving without proper coverage.
  • You rent or even borrow a van or truck to help someone move.
  • You are delivering a car to someone out of the area and you are only going to drive it once.
  • Your car is in the shop and the mechanic has set you up with a loaner.
  • You are traveling and renting a car. While your policy may cover some damage if it were to be done, buy the insurance. Trust me, I have lived this nightmare. Check your coverage.
  • You are selling your old car. It is better to be safe (and legal) than sorry. Who knows who might happen on just a short test drive? Chances are the potential buyer doesn’t have any insurance to protect the car they are testing.
  • You are driving your classic car in the summer for auto show. There is absolutely no point of keeping very expensive all year policy for your classic car.
  • You are headed out on a road trip with three friends and you are the only insured driver. The trip is 3000 miles. Do you honestly think you will really be the only driver? Make sure all drivers are covered under some policy. It’s the law.

Speaking of the law, it is always a good idea to check into what laws apply when you will be driving in a different state. It is up to you to protect yourself against expensive and legal ramifications when you are involved in an accident that can result in damage, injury and loss of property and possibly life.

Usually the best way to get temporary car insurance when you are traveling is to buy it through your insurance company in addition to your permanent policy. Generally your company let you add your temporary car insurance onto your policy and then cancel it once you are done using it.

If you end up buying the temporary car insurance from an outsider, like a insurance company in the state you will be visiting or through the rental car company, you will find that this way is less cost efficient. You might have to buy an actual insurance term policy, which is usually a minimum of 6 months. So unless you will need it for the full six months, it is a waste.

Almost everyone needs some temporary car insurance at one time or another and it is the safe responsible driver that realizes this and is smart enough to take the time to explore their options. This is how you can be sure to find the most beneficial and cost-efficient policy for your traveling needs so that you are properly insured. How the terms of your particular policy are set up is up to the company you end up contracting to carry your coverage. If you are unclear to any of the stipulations you may even consult your attorney before you sign up.

Most of the temporary car insurance have:

  • Complete coverage in case the car goes out of order because tire damage, vandalism or theft.
  • Coverage of responsibility aimed at 3rd parties, including bodily injuries or destruction of property.
  • When some of the insurance companies are writing your policy you can add extras such as:
  • Road side service and coverage should you break down on the road
  • Reimbursement of uninsured loss as specified in the conditions of the policy.

Now you should be able to go and find the temporary car insurance that will satisfy your needs, unless you are a young driver under the age of 21. Once the driver is closer to 25, it gets a little easier to become insured.

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