The Benefits of Short Term Car Insurance
The Benefits of Short Term Car Insurance
Short term car insurance has a couple of unique advantages. In case you have guests visiting from out of town, think about having them take out a short term policy if they plan to borrow your car. This is far more handy than going through the red tape of adding them to your existing coverage, only to remove them afterward. Having them added to your plan not only jeopardizes any claim you may make, but potentially voids the policy itself. An only barely higher scenario is having the guest's accident cancel any discounts you may enjoy if you still have a no-claim status. When you're the one traveling, telling your host that you're utilizing your personal temporary car insurance will scale back lots of anxiety about lending you his or her car, which might prevent from the necessity to rent one of your own.
Because short term car insurance is often bought one day at a time for as much as a month, and the application process is much faster, you should use it for situations that may in any other case make getting insurance too inconvenient. As an example, if you are going to buy a new vehicle, you are legally required to have it insured before you drive it home. Most people know this, but are anxious to use their new car, and would rather not endure the effort of shopping for a long term insurer just yet. A short term policy lets you insure the car on the day of purchase, and keep insuring it on a day-to-day basis for as long as you want till you find the right annual policy.
What does short term car insurance cover? The size of coverage could also be limited, however the amount of protection is not. In addition to liability, temporary car insurance usually covers injury to the policy proprietor's car, any medical expenses for passengers, and protection for drivers with little or no insurance.
Whereas every day insurance policies are the norm, you can also purchase 3-month and 6-month policies. These are good for anybody whose life-style requires some type of extended travel, like college students returning to their parents' residence from college, or business professionals who have to work on-site for any variety of weeks. In lots of states, stays past 90 days require a change of residence. A 6-month policy provides you one less layer of red tape to cope with if the length of your stay is uncertain.
International travelers should contemplate short term coverage if they're bringing their own car along with them, or having it shipped to the same destination. This sort of coverage is totally different than import car insurance, where a permanent resident is trying to insure an imported car that she or he plans to drive on an extended term basis. To apply for short term motor insurance, you will need your country's driver's license, registration and car title. Insurers might require you to get a non-citizen's driver's license if your stay exceeds 30 days.
Whether or not you are traveling to another state or to another country, give some thought as to whether or not doing so with your individual car is more cost-effective than driving and insuring a rental car. Relying on the kind of car you drive (e.g. sports activities car vs. economy car), your age, your marital status, income, etc., you could discover that it's much cheaper to rent. But normally, vacationers who bring their very own cars are already dedicated to the choice.
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