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Car insurance companies don’t offer temporary insurance options, but you can cancel coverage or use non-owner insurance if you need temporary insurance.
Temporary Auto Insurance In New York: When And How It Works
Written by: Daniel Robinson Written by: Daniel Robinson Author Daniel is a Guide Team writer and has written for numerous automotive news sites and marketing firms across the US, UK, and Australia, specializing in auto finance and car care topics. Danielle is the Guide Team authority on auto insurance, loans, warranty options, auto services and more. the author
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Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guide team editor with more than 10 years of experience covering personal finance, credit, insurance and warranty topics. Senior Editor
Whether you are using the car in a new city for a short time or plan to sell your car soon, there are many reasons why you need temporary insurance. The thing is, temporary car insurance is not a standard option of many car insurance companies.
There are ways to get short-term coverage so you don’t have to use the insurance for six-months or longer. In this article, we at the Guide team will give you your options for temporary coverage and recommend checking out some of the best car insurance and cheap car insurance companies.
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The Guides team is committed to providing reliable information to help you make the best possible decision on insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we’ve created a comprehensive rating system to determine our ranking of the best car insurance companies. We collected data from dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the final result was an overall rating for each provider, with the highest-scoring insurers on the list.
Most car insurance companies (such as Geico and Progressive) do not sell temporary or short-term car insurance for less than six months. Some websites may try to lure you in with the promise of a low-cost weekly or monthly auto insurance plan.
However, submitting your information online for a car insurance quote or call will likely lead you to an auto insurance agent who will offer you a longer policy.
If you hear about a temporary car insurance policy from a company that lasts for a day, a week or a month, it is probably not legitimate and may even be a scam. A six-month policy is the shortest term available.
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Fortunately, signing up for standard auto insurance coverage is easy and can be used temporarily. For example, you can buy a six-month policy and cancel after a few months if you sell your car or you stop driving. Your car insurance provider will not charge you for the remaining months after you cancel, although you may have to pay a cancellation fee.
Additionally, if you only drive your vehicle occasionally, you should consider signing up for a pay-per-mile insurance plan. You may be awarded a lower rate or pay only for what you drive.
While temporary auto insurance policies do not exist, there are many situations where you may find yourself in need of short-term coverage. These include:
If you only need car insurance for a short time, what can you do? In fact, it is quite easy to get a car insurance policy online and then cancel it when you no longer need it. Your options may include getting non-owner car insurance, rental insurance or trying usage-based coverage options.
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A simple alternative to a short-term car insurance policy is a standard policy that you only use temporarily. Most car insurance policies take effect after you make the first payment, which means you don’t have to wait long for coverage to start.
While many car insurance policies don’t come with a cancellation fee, check to see if the policy you’re considering does. Still, it may make more sense to get a car insurance policy for a month and lose the deposit than pay a small cancellation fee or find other transportation.
A non-owner car insurance policy can be a good option for temporary insurance if you often drive a vehicle you don’t own. Perhaps you travel around and use a car sharing service or use a friend’s car regularly. You can get non-owner insurance for six- or 12-month increments from larger companies.
The good thing about a non-owner policy is that it is cheaper than standard car insurance. This is because it usually includes liability coverage for injury and property damage if you cause an accident. Non-owner insurance is useful if you:
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Most car insurance policies cover a primary driver who may occasionally drive the car. This means you will be covered if you drive someone else’s car. However, if you plan to drive another person’s vehicle often, consider getting non-owner coverage or adding yourself to their insurance policy if you live at the same address.
If you’re using a rental car and don’t have your own insurance, you can get coverage through the rental company. Rental car insurance won’t be the cheapest option available, but it will cover you while using the car and help you avoid getting an entire insurance policy. If you opt for additional insurance from the rental car company, you may not need to pay the deductible if you get into an accident.
Safe drivers can receive discounts through usage-based programs such as Progressive’s Snapshot® or State Farm’s Drive Safe & Save™. These programs, also known as telematics insurance, track driving habits such as acceleration, cornering, braking and time of day. They also track mileage, which often makes up a large part of the overall score.
That means people who don’t drive often can save more on insurance costs with usage-based programs than people who commute every day.
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Mileage-based car insurance is a subset of usage-based insurance. But with this option, what matters is your mileage. If you only drive occasionally, you can save a lot of money by not putting as many miles on the odometer. Some examples of this coverage include:
With these programs, you usually pay a low monthly base rate and a rate per mile. Pay-per-mile programs also have daily mileage charge caps so you can take road trips without paying huge amounts.
Be aware that some pay-per-mile insurance programs require you to drive your car or at least move it occasionally to keep the sensors activated. This is the case with Metromile.
If you are a college student commuting to school, most companies will give you a discount on their family insurance plan if you leave the car at home and drive to school more than 100 miles away.
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If you store your car when not in use, you can get a comprehensive-only policy from your insurance provider. This covers events that damage your vehicle while it is parked in one location, such as hail or vandalism. But it doesn’t cover accidents, so you can’t drive your car. Some companies may require you to store your car for at least a month to get this coverage.
If you are storing your car for a long time, you can remove the registration from your vehicle and then stop the insurance altogether. Contact the DMV to remove your registration before canceling insurance or you will have a lapse in coverage.
When you’re looking for temporary car insurance options like those listed above, there are a few things to keep in mind. These include the following:
However you decide to address your temporary insurance needs, make sure to avoid mistakes in car insurance coverage. This happens when the vehicle is registered in your name and is not insured. Car insurance companies report directly to the DMV in each state, so your state will know if you drop insurance but still have a registered vehicle.
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Some providers charge a cancellation fee of up to 10% of your car insurance premium, but this varies by company and state. If you’re looking for temporary insurance, it may be worth paying a small fee to avoid future premium costs.
However, if you’re shopping for a new policy that you want to cancel, be aware of the fees you’ll pay if you decide to terminate your contract.
While temporary insurance does not exist, there are still other options to choose from. When you decide what type of coverage you want and need, take into account how much coverage you’re actually getting for the price.
If you can’t get a valid insurance policy for less than six months, you can cancel the coverage if you don’t own the car. You can also try options like non-owner car insurance or rental car insurance to get it
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