Quotes for Short Term Auto Insurance Policies

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Here's what you need to know...
  • There are several reasons a person may be interested in a short-term car insurance policy
  • You can call your current car insurance agent to discuss a short-term policy
  • You can compare rates for short-term coverage online


Most drivers are aware of the basic auto coverage needed for a vehicle on the road, such as a liability policy. However, there is a small niche of insurance that many consumers overlook: short-term policies.

You may think that your everyday auto insurance covers your every move, but for the majority of policies, this is not the case.

Short term auto insurance is a specialized policy that covers a specific driver and vehicle for a minimum of one day to a maximum of six months.

Why would you need a short policy like this one? There are a number of reasons:

  • Some car owners may have a friend visiting that will want to use the car
  • Some people need a short-term policy for a weekend getaway
  • Some people would like a short-term policy when using a rental moving van

Many drivers are confused about how to find a reasonable short term car insurance quote. Luckily, with the help of technology, there are a number of different pathways to the best quote possible.

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#1: Your Current Auto Insurance Provider

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Modern day insurance groups tend to diversify their policies for a wider customer base. For example, a business may offer insurance for:

  • Auto
  • Home
  • Boat
  • Fire

This business diversification allows them to package different types of insurance into a bundle for one customer; he or she has a one stop shop for all their insurance needs.

Although not a common request, short term auto insurance is normally provided by most major insurance groups.

Consumers should call their current insurance agent for pricing; many times, they can offer a small discount based on your performance on the long-term policy.

However, consumers should note that insurance companies do not normally piggyback the short term insurance onto the long-term insurance; they will be separate policies.

#2: Local Insurance Agents

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Although relatively old fashioned, many insurance agents act as independent contractors for larger corporations. Consumers can call or visit these local agents for a quote. Each company will have different rates based on everything including:

After visiting one agent, make sure to visit or call more competing companies. Since each agency offers a different insurance package, it is imperative to receive as many quotes as possible.

Although a consumer may like a particular agent, he or she may not offer the best coverage with a reasonable price.

Consumers should make sure that they are dealing with a reputable auto insurance company.

Even before visiting the local agent, research the corporation he or she represents; some insurance companies prey on consumers and have a bad reputation as leaving customers without coverage because of an escape clause within the paperwork.

If a consumer is unsure about a particular company after researching, it is good practice to talk with friends, family, and colleagues.

They may have heard of the company or dealt with them in the past. Another research outlet is the Internet; may websites are dedicated to consumer opinions and dealing with good and bad companies.

All of these outlets can help the consumer find a reasonable short-term auto insurance policy.

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#3: The Internet

Many websites are popping up that offer FREE car insurance quotes. Some sites may be the direct policy provider quoting the amounts or it may be a large scale search engine that matches the consumer with the best rates programmed into each participating company’s computer databases.

This pathway to find short-term car insurance can be extremely helpful, but possibly frustrating.

Certain websites will require only the bare minimum of information, such as the state of residence and age. However, these websites may not offer the best quotes since they are using very minimal information.

In contrast, other websites ask a myriad of different questions that can take up to 15 minutes to fill out. Although a consumer may be in a hurry for a quote, these websites with the in-depth questions should be taken seriously; the specific questions can bring a reasonable quote to the consumer.

Another conundrum for Internet car insurance queries is the instant quote. In this world of instant gratification, it is almost unheard of that a person would have to wait for a quote after plugging in all of his or her information into the website.

Sites that offer instant quotes are pulling the insurance information that fits loosely with a consumer’s situation, rather than tailoring the policy to the individual.

Other websites do not offer the instant quote temptation; in fact, they will physically call or email a consumer with a quote. The benefit of waiting for the agent’s quote is personalization.

The agent will look over all the individual’s information and find the best quote possible. Every situation is unique so each policy should reflect that.

#4: Rental Car Facilities

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Consumers can receive short-term car insurance on a rented vehicle through the rental company themselves. If a consumer drives a rental car, he or she must still be insured in the event of an accident.

Coverage is normally in the form of a standard amount, based on the rental company’s overall insurance policy.

This form of insurance coverage is specific to rental cars; a consumer cannot walk into a rental facility and purchase insurance for a completely different vehicle.

However, renting a car and using the insurance from the rental company makes it easier to complete the transaction and get on the road.

In the end, obtaining short-term auto insurance requires some research and comparing quotes. All drivers should read the fine print of the final contract before signing for the insurance. Consumers will find that they are safely covered if an accident occurs on a road trip or within a rental car.

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