Short term car insurance is a policy that is needed for any duration under 6 months. Anything longer than a 6 month period would fall into a long term car insurance category. Determining what needs you have for your specific situation will be one of the best ways to determine if you require car insurance or not.

The reasons you may want one of these policies would include having to move a vehicle or drive a vehicle for only a short period of time. This may be in the event of moving a vehicle from one part of the country to another part of the country. There are various reasons you may only have access to a vehicle for a short period of time. This may also include insuring another individual in your family, or perhaps a friend that will be using your vehicle. In this case, having a policy specific to another vehicle through a separate company will also prevent issues with your existing long term provider increasing rates based on an accident that will only happen while someone is doing this driving during the short term.

In the majority of states in the United States, car insurance is legally required. There are fines associated for not being insured. Although most insurance has coverage in the event that other vehicles are uninsured or underinsured, your responsibility with the law is to be insured in the event that you are the one causing the accident. There are some states that are more strict than others.

The time period for a short term policy is anything less than 6 months which may include as little as 1 day. To attempt to arrange this early is usually much more effective, but these policies don’t necessarily take an extended amount of time to approve depending on your prior history with the same company and a review of your application along with your driving record.

Coverage for these types of policies usually include liability insurance where you are the party that is at fault which means your insurance would cover the other person’s damage whether bodily injury or other property damage. This may be a good idea if you are not prone to accident or other careless driving and may save you some money. It won’t, however, cover the cost of replacing your vehicle if you have an accident caused by you. The other option is a full coverage that would then include your property being covered as a result of an accident caused by you or even caused by someone with no insurance or a lack of coverage.

These policies are typically not available through a direct connection to the larger companies. It is, however, expected that you’ll connect with a local agent / broker to establish this relationship. The smaller brokers will usually package these types of policies together in order to resell this to a secondary market.

Getting insurance for a short period of time is relatively easy to do, but does require paperwork or online application and then an agent that can work with you for this purpose. The better driving record you have as the primary name on the application, the better it will be for you by way of expense. If you have a poor driving record, your premiums will normally increase and the overall cost of insurance will increase accordingly.

Short term car insurance policies are important to have if you require the use of a vehicle for a period less than 6 months. The cost involved if you have an accident can be significant and being underinsured or uninsured adds a significant amount of overhead by way of problems should an accident occur.

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