If you are own a car but you drive less so a long term car insurance is unnecessary, then you can take advantage of a short term car insurance cover. Short term or temporary auto insurance is a cheap car insurance cover but it will still protect you and keep you fully covered from liabilities if ever you get yourself involved in accidents. It will also cover repair and replacement cost, if for some reasons, your vehicle is damaged and needs to be fixed as soon as possible.
However, there is one good reason why it is cheaper than long term policies. As its name implies, it is only good for short term use or temporary cover which is usually from 1 – 28 days, so you will only be covered for a limited period of time. But this doesn’t mean that it cannot be extended because you actually have the option to extend it for as long as you like or to renew it for a couple of times only that it will cost you more than if you will just get an annual insurance cover for a long term use of car.
Short – term or temporary auto insurance is mostly ideal when:
1. You have a car but you drive less often.
2. You are going on a long trip for 1 – 3 days using a rented car. You can take advantage of a 1 day or 3 day car insurance.
3. You are driving a borrowed car or your parent’s car. Adding a driver to someone else policy is very tricky and expensive so you might as well get a short term policy for yourself.
4. You need to use your car to move from one residence to another where you run the risk of damaging your car because of transporting heavy appliances and furniture.
5. You cannot drive because of an injury so you need a help of a driver. Instead of adding him to your policy, you can get him temporary car insurance for the mean time.