When Temporary Car Insurance is Useful
When might you need temporary car insurance? Let me give you three scenarios.
First up, you don't have a car of your own but you are borrowing your brother's for a road trip.
Second, you just bought a car and haven't had a chance to purchase permanent auto insurance yet.
Third, your auto insurance expired and you haven't had time to do the research to select the best new auto insurance package yet.
In most jurisdictions, if you don't have liability insurance while driving you face a huge fine. In some, you lose your license. In each of these cases, temporary car insurance is a measure that keeps you legal while driving.
Temporary car insurance lasts from 1 to 28 days. It is relatively cheap, though on a pro-rata basis is more expensive than longer term insurance would be. If you are going to get it by calling around, start with a company where you already have insurance (say perhaps your homeowner's insurance or your life insurance company).
But the best place to start is on the internet. While temporary insurance is a relatively new online offering, there are more and more companies offering it.
Some of the factors considered in whether you qualify for insurance include your credit score, driving record, and criminal record. Some companies consider your age or the age of the car. There are a number of different scenarios under which it makes sense to get temporary car insurance. Fortunately, it is now easy to find and secure in this internet wired world.
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