Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 20, 2020

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Here's what you need to know...

  • Short-term insurance can be purchased for 24 hours up to 60 days, and is $118/mo on average
  • Short-term insurance can be purchased for a variety of reasons
  • Short-term insurance is easily purchased online or over the phone

Short-term policies have always been available but are starting to drastically increase in popularity.

Where can you get temporary car insurance? Many insurance companies are now advertising the fact that they provide short-term coverage to policyholders as an option.

Take a look at this alternative auto insurance option, who benefits from it and the related drawbacks below.

Then get short term car insurance quotes by entering a zip code immediately!

What is short-term car insurance?

 

Drivers who have rented vehicles in the past know that car rental companies offer short-term insurance for drivers that do not own their own vehicle.

Those who own their own cars and have their own vehicles fully covered can transfer their insurance to the rented car.

However, those without cars do not have this option since they do not have insurance coverage.

Short-term non-owner car insurance is also offered to car renters who only have partial coverage on their personal vehicles.

Generally, rental vehicles need to be fully insured. Those without full coverage purchase short-term full coverage on the rental for the duration of the time that they possess it.

Short-term insurance policies allow car owners to cover vehicles for as short as one day and for as long as two months.

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Who can use short-term car insurance?

 

Anyone who is borrowing someone else’s car for a short period of time can purchase short-term insurance coverage.

A person may need to put their primary vehicle in the shop for two weeks to a month. In this case, they can use another vehicle and purchase short term insurance for it.

Short-term insurance coverage is also an option for those who spend a lot of time away from home due to excessive traveling for work or for personal reasons.

If a vehicle is rarely being driven, the vehicle owner may not want to pay the full cost to insure the vehicle for an entire year. They may decide to purchase a short-term policy when they are home.

How much does short term car insurance cost? In many cases, short-term insurance is the cheapest way for the vehicle owner to keep the vehicle insured on an as-needed basis.

Can you get one month of car insurance? The average short-term insurance policy is purchased for 30 days.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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The Benefits of Short-Term Insurance Coverage

Short-term coverage ensures that you only pay to insure your vehicle when you will use it.

With short-term policies, you can renew at any time. Once the policy is set up, you simply call the insurance company or access the internet in order to activate the insurance when you need it.

If you need short term insurance coverage on a vehicle you do not own, you would then need to have a new policy drawn up for the car. However, this information can be kept on file.

You can renew the coverage on a specific vehicle on an as needed basis as well.

Within minutes, you can have an uninsured vehicle insured with just a simple phone call or with a few clicks of the mouse.

Other Factors to Consider When Purchasing Short-Term Insurance

 

Short-term policies tend to be stricter than typical insurance policies.

Many adults are denied short-term insurance coverage.

Your eligibility for short term insurance is determined by the following factors:

  • Age
  • Driving history
  • Insurance coverage history
  • Type of vehicle you want to insure
  • Length of time you want to insure the vehicle

Shopping online for insurance is the best way to determine eligibility as well as the best method for getting the best possible rates on your short term car insurance premium.

Start with your zip code and compare short term car insurance quotes now!

References:

  1. https://insurify.com/sure/car-insurance/what-is-short-term-car-insurance-coverage/
  2. https://www.allstate.com/tools-and-resources/car-insurance/rental-car-insurance.aspx
  3. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums
  4. http://www.kbb.com/car-advice/articles/the-most-expensive-and-least-expensive-cars-to-insure/
  5. http://www.edmunds.com/auto-insurance/10-steps-to-buying-auto-insurance.html