If you only want to use your car or a borrowed car for a couple of days which is why you are looking to get a cheap car insurance, then you might as well consider getting a short – term or temporary auto insurance. This type of car insurance will serve as your protection from financial liabilities if in case you get yourself involved in accidents where bodily injury and damage to property have been incurred. It is cheaper than if you will be paying for an annual cover but it can still protect you all the way. Why would you pay for a long term policy when it is not even necessary, anyway?
Advantages Of Temporary Car Policy
As already mentioned, one of the major benefits of a short – term or temporary car cover is that they are cheaper than if you will have to purchase an annual policy which is not necessary if you only need to use your car or if you are borrowing somebody else’s vehicle for a short period of time usually from 1 to 28 days but it can be renewed to a period not exceeding 6 months. All you have to do is to request multiple short term car insurance quotes from insurance providers so you will be able to get a good deal of cheap temporary policy. However, if you are looking to use your car on a long term basis then an annual policy is the right thing for you and it will be cheaper than if you will always be paying an extra fee to renew a temporary policy.
Because adding another person or an extra driver to an existing policy is expensive, a short term auto insurance will allow you to add multiple drivers in your car without affecting the no – claim bonus of your primary insurance cover.
With a short – term auto insurance, you can always use your car for a weekend trip without spending much on the insurance policy; you can allow somebody to use your car; you can borrow or rent a car; and making an affordable daily or monthly payments is possible.