The importance of auto insurance has been stressed severally but there are times instead of putting in place a permanent insurance, a temporary auto insurance may suffice because of one or more of many reasons. If for example you have a new car, you may want to take it home first before you make arrangements for something more permanent or if you would like to embark on a long journey during which you may want your companions to have a go at the wheel. There are different insurance rules that govern the use of cars in different states but it is very possible for you to pay for a standalone temporary cover or simply seek to have a temporary cover with your existing insurance policy and simply pay the difference between the two.

Before you seek for a temporary cover, the best thing to do first is to check with your present insurer. Doing such can help you get advice on how you can get a cheaper cover on a temporary basis. There are some policies that are available that can provide the cover you need to drive a car that does not belong to you for a short period. This may be very useful and cheaper when added to your insurance than buying a temporary cover needed for the use of a specific car.

Some Special Factors You Will Have to Consider For the Application of Temporary Insurance Cover

There are differences between the policies offered by states and car rental companies. You may find out that you are able to cover the rental car with the kind of policy you have at hand or at least partially so. You will have to have due considerations for the cost you are likely to incur as the insurance given by rental companies come expensive in most cases but you would be better to check for possibilities with the rental company and your insurer.

One other issue you may want to consider is if you are to take your car abroad. There are differences in the policies that operate in different countries too and the ones existing in the country you intend to travel to may even be sufficient to provide you with temporary car insurance. If this is not the case, you can have prepared a temporary cover to protect you for that journey. You would however not want to leave things to chances so it is therefore necessary for you to consult with your insurance provider.

Where journey intended would require you giving your car to another driver, you need to make some preparations for this as well. The situation can however be also controlled by arranging for a temporary cover for whoever you want to assign the duty of driving your car. It is good to have it at the back of your mind that there are specified drivers in the insurance policy you took. It is therefore important to have a temporary vehicle insurance that will keep the driver protected for the period he or she would be driving your car.

Although these types of covers are bought for temporary use which helps to serve money as well as maintaining insurance cover during the period the car is used beyond what is specified in the insurance policy acquired for the car originally. If you discover that your need for these types of covers is frequent, you can decide to buy them permanently or you can pay for their use on a temporary basis. It may not be so important which type of insurance you have whether permanent or temporary. What counts is for you to have insurance in place which will have the use of your car covered for whatever time it is put to use.

Time and again the need for a temporary cover is discussed but rarely do people understand the need for it. Most people tend to believe that with their permanent insurance in place they can do just about anything they like with their car.

Other Reasons Temporary Insurance Cover Is Important

• A short-term insurance policy comes in handy if you are to travel or go to school and you would like to take your car along with you. Staying secured under an insurance cover even when you are away is necessary and it will be cheaper to obtain a temporary cover for your car than to rent one.


• If you are sure that the car you bought will not be with you for long before you sell it off, you will probably not want to incur any unnecessary debt over it. This is however not to say that it is not important to have your car insured during this period. You can however make the cost minimal by seeking for temporary coverage. You can drive the car legally before you dispose of the car with a short-term policy.

There are many people who don’t know what to do or where to go when they need a temporary car insurance coverage. There are some basic steps that must be taken for you to acquire this protective cover within a stipulated but short time. You need to first ask about the types of terms that are available. It is also important for you to find out about the procedures involved in renewing or having a term extended should there be the need for your plan to change. Enough information must be gathered that will tell if the insurance company is capable of offering collision and comprehensive coverage. Though you don’t have plans to do any damage to your car or to that of another person but it is also good that you ask is a third party liability protection. Information concerning the possibility of purchasing the coverage that will take care of costs incurred for repairing your vehicle should also be asked for.

Bear it in mind that this is one of the periods your good driving record will be useful for you. A Good driving record will create the opportunity to have better rates for a temporary auto insurance coverage. The type, make or model of the car that you would like to have insured also counts. All these will have to be put into consideration by the insurance company’s underwriters to determine whether your policy may be extended.

There are several auto insurance companies around that you can go to for help on this matter. However you need to be sure that you formalize arrangements with a reliable insurance company. You may not need coverage for a long time but it is better to solicit only the help of well-established an auto insurance company that has the financial capabilities to pay out claims should there be the need for it.