What other options exist if I own a car?
If you own a cable car that you alone drive occasionally, you could save money by enrolling in a pay-per-mile insurance design. Drivers who do n’t drive much could be rewarded with lower rates .
What about short-term insurance for a car I don’t own?
If you ‘re planning to drive a cable car you do n’t own, here are some options to consider :
Reading: Can I Buy Temporary Car Insurance?
Non-owner car indemnity works similarly to standard car insurance, but it ‘s available when you ‘ll be driving a cable car you do n’t own. A few examples include driving a friend or class extremity ‘s car, renting a car, or using car-sharing services like Zipcar and Getaround. You can purchase non-owner policy in increments of six months or a year, and it ‘s broadly cheaper than standard car policy. You can besides cancel a non-owner policy whenever you want to avoid paying for extra months you do n’t need. It includes indebtedness coverage, which helps pay for property wrong and another driver ‘s injuries if you ‘re at fault in an accident. Some non-owner indemnity plans besides offer excess coverages like medical payments, personal injury auspices, and uninsured or underinsured motorist coverage.
Rental car insurance
While standard car insurance and non-owner policy will keep you protected while driving a rental car, the rental car company will besides have indemnity options available. These options are normally more expensive, but they have a couple of perks if you ‘ll only be driving inadequate terminus. rental car policy typically has a very first gear or no deductible, and any claims you make wo n’t impact the rates on your personal cable car insurance policy .
When a friend or family member gives you permission to drive their car, their car policy will protect you in casing an accident occurs. Your acquaintance or syndicate member can besides add you as a driver on their policy temporarily if you plan to drive their car regularly. Keep in thinker that there will be a deductible to pay, and their premium could go up if you get into an accident while driving their car .
When would you need temporary auto insurance?
There are respective circumstances where you may need temp car policy. A few examples include :
- You’re a college student and only drive during summer break
- You’re visiting a location where you’ll want access to a car (for example, New Yorkers who spend winters in Florida)
- You’ll be staying with a family member or friend and borrowing their car
- You live abroad and will be driving while visiting the US
- You own a car that’s only driven seasonally (for example, a convertible that you only drive in the summer)
- You bought a car that you’re planning to resell soon