Short Term Comprehensive Car Insurance Coverage for Sedan Cars There are a few reasons why a short term comprehensive car insurance policy may be useful for you. But before going into this, we need to understand that not every country or region offers this type of insurance. So make sure you check with a motor insurance specialist before you plan your next step. There are some folks who may want to sell off their car and buy another one. And coincidentally the car insurance coverage is about to end. Therefore if you have bought a full-term insurance policy, it may be a little longer than what you plan for. As such, a short term comprehensive car insurance policy may be useful for you. For others, they may only need to drive a particular car for a short while. And when they use the car, they will need some form of protection against liabilities that may arise from any incident. Therefore one good way to get the car covered may be to get a short term insurance policy. If this car belongs to your friend, you can also look into getting a rider so as to add your name as a named driver into his insurance policy. There are many advantages to this approach. First, it is cheaper to get a rider than to start a totally new auto insurance coverage. Also, you can get many benefits that your friend if enjoying under his insurance coverage. For you to get those same benefits, you may have to fork out a lot more in premium. On the other hand, if you get into any kind of trouble, your friend's insurance record will be tainted. There are pros and cons to such approach, and you must consider each of them. Some insurance companies offer a one-year car insurance policy. Some others allow you to insure your car for a longer period. A few car insurers even allow two-year or even a three-year comprehensive plan. The longer you insure your car with the insurance company, the more beneficial it is for them. For the same amount of administration, they are able to collect more premiums and retain you as customer for a longer period. This is the reason why not every insurance company will want to offer short term auto insurance packages. If short term coverage is not available to you, you can always get full one-year coverage to begin with. A short while before you want your motor insurance to end, call up the insurance firm. They will be happy to advise you on how to cancel your policy at that specific date. The remaining portion of the unused premium will be refunded to you, prorated according to a formula that particular insurance company has.
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