Short-Term Car Insurance Buying Guide & Tips

Keep it short! Don’t buy long-term car insurance when buying short makes more sense!

Tickets! Court appearances! Possible lawsuits! Driving without car insurance may be tempting when using an uninsured vehicle for a short period of time but going short on car insurance is easier than you think and plain just smart for all the right reasons.

And since driving in America and most of Europe requires drivers to be insured, purchasing short-term car insurance isn’t just smart, it’s also the law and can save you hundreds of dollars in fines and court costs.

For example, driving in the state of Texas without insurance could result in a fine of up to $350 and that doesn’t include associated court costs which taken together far exceeds buying short-term car insurance for a week or a month. You may even lose your license and who wants that hassle?

Going short on car insurance is perfect for college students home on summer or winter breaks or out-of-town visitors or houseguests that are staying for a short period of time. Renting or borrowing a car for a weekend trip or driving your classic car to a show would also be a perfect opportunity to purchase short-term car insurance. Going short is even perfect for military personnel on short deployments.

Additionally, short-term car insurance offers you the same type of coverage and protection that long-term car insurance offers but gives drivers more flexibility. For example, no need to wait for a refund when the policy is cancelled since short-term car insurance requires only that you pay for a specific period of time thereby saving you time and money. Drive a week? Pay only for that week and nothing more!

For safe and careful drivers most auto insurance companies offer discounts to drivers who haven’t had any of the following:

  • Any traffic accidents in the last five years – Does not matter if you were at fault or not.
  • Traffic tickets you’ve had in the last five years.
  • Driving while under the influence offenses in the last 10 years.
  • Any incidents of theft or vandalism in the last five years.

Having insurance also protects you in the unfortunate event of an accident so don’t be short-sighted by driving uninsured even if it’s for only one day.

UK-based drivers have several options to choose from including AA, Dayinsure and Quotezone which offer rates for one to 28 days while US-based drivers should contact their local insure broker for more information since many of the major insurance companies don’t write policies for less than six months.

So go short on car insurance to keep yourself covered and stop throwing money away on coverage you don’t need!