Insurance comes in two types: short term and long term.
In most cases, car insurance coverage you purchase for your needs would be on a long time basis.
There are many cases where temporary car insurance would be more appropriate.
Some of these scenarios are listed below: - You purchased a new car.
You want to drive it home but haven't finalized insurance yet.
Whether you purchase a car out of state or at your local dealer, temporary auto insurance will help you get your new car home safe and sound.
- You like to switch cars often.
You may be the type who likes to flip cars instantly for a profit.
Not knowing how long you are going to keep the car is why temporary car insurance will come in handy.
- You are on vacation and need a rental car to get around.
Rental car agencies usually have their own insurance you can purchase.
Most of the time it is very expensive and you are better off purchasing temporary auto insurance from your main insurance provider.
- You don't have the funds.
Sometimes you simply don't have enough money to pay the bills.
If you don't need to drive then there's no reason to keep paying car insurance.
You can purchase a short term auto insurance policy when you know you are going to drive.
- You live in an area where driving is not a need.
Many people that live in cities such as New York rarely use their own cars.
Most use public transportation.
When the time comes for you to drive a good distance you can get temporary auto insurance.
- Your friend or family member drives your car.
There are times when someone you know is going to visit you and need to borrow your car.
If they are involved in an accident then you assume full liability.
Best thing to do is purchase temporary auto insurance.
Of course this goes both ways if you are borrowing someone else's car too.