Can I get car insurance for just part of the year?

You may want to get short-term car insurance if you are planning to take a trip and would like to have a vehicle available during that time.

You may also want to arrange coverage when visitors are staying at your home or you have a child who is attending college or university and will be driving during breaks during the school year.

Get car insurance quotes on short-term coverage with just a zip code in the box above!

Short-term Car Insurance

Insurance coverage can be arranged for time periods of up to six months at a time.

The policy will cover bodily injury and property damage claims. It may also provide protection against damage caused by uninsured or underinsured drivers.

Bodily injury damage coverage pays for the medical bills and other expenses incurred by the occupants of another vehicle after a car accident.

Property damage liability insurance coverage pays for the cost of things like repairing the other driver’s vehicle and other objects damaged in the accident like:

• Fences
• Sheds
• Buildings
• Mailboxes
• Street signs

Uninsured motorist coverage pays out when the at-fault driver in a car accident does not have insurance coverage.

Underinsured motorist coverage is used to top up insurance coverage when the at-fault driver has insurance but does not have enough coverage to fully cover the damages incurred.

Temporary Insurance Coverage

If you are looking for temporary car insurance coverage, you have a couple of options.

One of them is to go online to get quotes for the time frame you have in mind. You can conduct an online search for short term or temporary car insurance in your area and then visit a few websites that appear in your search results.

When you do so, be sure to click onto the company’s “About Us” page to discover something about its history and its financial stability.

Just because you are only looking for coverage for a short time, it doesn’t mean that you should be dealing with a company that doesn’t have a good rating.

For more information about the companies you are considering, visit an insurance ratings agency like Moody’s or Standard and Poor’s. They can provide you with valuable information about a company’s financial stability.

The other option when looking for short-term car insurance coverage is to work with an insurance agent. These individuals shop the market on a client’s behalf and present quotes from a number of providers.

The agent can also answer your questions about your coverage options and the policy terms.

Case Studies: Car Insurance for Part of the Year

Case Study 1: Temporary Coverage for a Vacation

Lisa and her family are planning a cross-country road trip for two months during the summer. They want to ensure they have insurance coverage during their trip, even though they don’t own a car. Lisa researches and finds out about short-term car insurance options.

She obtains quotes from various insurance companies and rental car agencies for temporary coverage for the duration of their trip. After comparing the quotes, Lisa selects a policy that provides the necessary coverage for their vacation.

Case Study 2: Coverage for a Visiting Relative

Mark’s parents are coming to stay with him for three months, and they will be using his car during their visit. Mark wants to make sure they have insurance coverage while driving his car. He explores short-term car insurance options and contacts an insurance agent.

The agent helps Mark compare quotes from different providers and explains the coverage options. Based on the agent’s guidance, Mark chooses a temporary car insurance policy that covers his parents’ driving needs during their stay.

Case Study 3: Seasonal Coverage for a College Student

Sarah’s son is away at college and only needs a car during the winter break. Rather than maintaining a year-round car insurance policy, Sarah decides to explore short-term car insurance. She uses an online comparison tool to obtain quotes from various insurance companies for coverage during the specific weeks her son will be home.

Rental Car Insurance Coverage

In a case where you only need a vehicle for a limited time, you may want to consider renting a car and buying coverage from the rental agency.

Before doing so, read the terms and conditions carefully so that you understand exactly what you getting for the premium you are paying.

In some cases, the customer will be financially responsible for paying a fee for each day the vehicle is off the road after an accident occurs.

When you are only interested in arranging car insurance for part of the year, do consider all of your options before making a decision. Traveler’s insurance may also be an option if you are renting a car for less than a year.

Or you can arrange coverage for periods of one day to six months through a car insurance company.

If you are interested in this option, get quotes from several providers and compare rates before deciding to buy a policy.

Compare all these options by entering your zip code into the car insurance rates tool now!