We all know that driving without a Car Insurance is illegal in all U.S. states. However, there are a number of cases when purchasing a Long-term Insurance can be unreasonable in terms of expenses. Sometimes you need to use the car only for one day or several weeks or months and can choose to be insured for the required period only.

If you are an occasional driver, planning a cross-country trip in a rented car, need to test drive a car, or help someone drive on a long journey, you will be better off with a Short-term Car Insurance. Temporary Car Insurance will be also helpful when you lend your car to a friend, relative or a co-worker for a day or two, or borrow someone else’s vehicle. If you have children in college, they might need to drive a car during their breaks from school. You may need an immediate drive-away insurance if you have just purchased a new car. If you have bought a car and have not been able to get its full insurance yet, or if your old policy has lapsed, Short-term Car Insurance will come to your rescue. Foreigners who are planning on driving during their visit to US for a limited period of time should also explore the Short-term Car Insurance options.

There are several companies that offer good deals for such and similar occasions. In many cases it is simply more economic for a driver to get a Short-term Car Insurance in order to be immediately covered for an emergency. For example, why pay for annual Car Insurance if you use your car only on rare occasions? If you don’t require long-term use of a car, Short-term Car Insurance is likely to be right for you.

Depending on your driving needs, the period of coverage may range from one day to six months or longer. Coverage may start immediately or on the date specified in the insurance policy. Short-term Car Insurance typically gives the same coverage as Long-term Car Insurance, the only difference being the time limit. Temporary Car Insurance offers liability insurance (bodily injury, property damage), physical damage, uninsured and underinsured motorist, and may also include medical payments for passengers. If needed, you can obtain additional coverage for breakdown if it occurs during the term of the policy, or/and you can also have your windscreen or audio system covered. Some insurance companies may also offer extra coverages, for example, roadside services. It is possible to buy fully comprehensive Short-term Car Insurance policies, or acquire only third party, fire and theft cover.

Any driver over 21 who needs temporary cover can be eligible for Short-term Car Insurance. This type of insurance is available for classic cars, vans, kit cars, modified cars or campers. However, mind that disqualifications and previous insurance claims can affect your eligibility for Short-term Car Insurance.

One of the advantages of Short-term Car Insurance is that it won’t affect your Long-term Car policy and any number of drivers can drive your vehicle. Short-term Car Insurance is independent of your existing Long-term and other policies.

Other benefits of this type of Auto Insurance include fast and simple process of application, immediate availability of documentation, an opportunity to get an instant drive away coverage etc. Obtaining Short-term Car Insurance is usually faster than getting a Long-term policy.

Short-term Car Insurance can be purchased online. Use Internet quote engines, which will help you get the cost estimate at several different insurance companies. This way you will be able to compare various quotes and choose the most favorable deal for you. Always carefully read the details of the agreement before you decide to sign anything.

If you need to get insured on a second car, you can take out Short-term Car Insurance in addition to your usual policy. In case you have built up a no claims bonus on your usual car, you won’t lose it should you have an accident when driving another vehicle. In other words, claims on a Short- term Car Insurance policy won’t affect your no claims bonus.

The insurance period can be from one day, and can be renewed if you choose, at any time. When you only insure your car for the periods of use, you considerably reduce the costs and maintain the appropriate level of coverage at the same time. As insurance premiums continue to rise, Short-term Car Insurance is likely to become even more popular in future. Many consumers find the idea of paying only when they are actually using the car very attractive. When you purchase coverage only for a few days, it saves you a huge amount of money which could have been wasted in standard annual insurance premiums.

This type of Car Insurance makes consumers legally capable of driving a car without any long-term commitments. Typically insurance companies charge a flat rate for Short-term Car Insurance. The premium can be collected either in advance or on a monthly basis.

Short-term Car Insurance is in no way a substitute for permanent annual Car Insurance. It is a great option if you need a temporary cover to borrow a car or truck for a short time, if you are on holiday exploring interesting places, or you have an additional vehicle, or if your friends from out of town will be using your car during their stay with you. Some policies include foreign travel in the cover as well. The instances when Short-term Car Insurance can be helpful are numerous. Make an informed decision about your Car Insurance and enjoy your ride.