Monday, March 2, 2009

Short Term Auto Insurance: Stuff You Need To Know

By Chimezirim Odimba

Short term car insurance offers coverage that is only needed for a short while. There are many circumstances that might one to need short term car insurance. If you are headed on a lengthy car journey and plan to exchange drivers, you would need temporary insurance.

Perhaps, no one else can drive with you so you just want temporary insurance for the journey. Maybe you're about to permit somebody else to utilize your vehicle for a short time. There are countless reasons why short term car insurance may be suitable and longer term insurance isn't.

For these occasions, you will definitely want to consider short term car insurance. Short term car insurance can save a lot of money, mainly when you don't want to shell out cash for a whole but require the insurance for one to 28 days.

You can go online or offline, depending on the group you prefer to go with when you submit an application for short term car insurance. Many insurance companies will now take applications, as well as payments right over the internet to help save you time. The coverage will likely be suitable for either a van or a car, and will also likely cover any drivers you need to be covered.

The insurance coverage, in most cases, will begin immediately. Furthermore, depending on the company you choose, they may only charge you one price, flat rate, no matter the current driving history of any driver. Short term car insurance may also include a variety of extras, such as repair service.

It is essential to verify the company and ensure they present the finest price for the greatest coverage. Perhaps you are test-driving a car, borrowing a vehicle from a pal, lending your car to somebody else or teaching someone to drive.

The market is not so competitive under these conditions. Even though your needs are pressing and you need to find a car insurance quote quickly, many insurers are only interested in long-term commitments. They view the effort as putting forth more than its meaning. Short-term car insurance has numerous rewards. A temporary policy will protect your no-claims discount on your regular car insurance.

For example, if you are allowing your student son or daughter to use your car during a holiday period and they have an accident, this would usually wipe out your no-claims bonus. With a separate short-term policy however, you get the pay-out you need without losing your savings.

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