How Do You Get Short-Term Car Insurance?

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A number of auto insurance companies provide short-term or temporary vehicle insurance. These policies, which can provide coverage from one day to eight months, are procured in the same manner as traditional auto insurance policies. However, because of their limited supply (not all insurance providers offer short-term auto insurance) and relatively high-cost, it is essential to review as many temporary plans as possible.

  1. Contact your existing insurance provider

    Contact your current or previous auto insurance provider to see if temporary plans are available. Notify the agent of your specific needs, and point to your history with the company as a starting point for negotiations. Be prepared to discuss your reasons for requesting a temporary plan, along with detailed information (vehicle identification number, make, model and year) of the vehicle you wish to insure.

  2. Search the Internet, and compare quotes

    Search the Internet for short-term auto insurance providers. Record the names and addresses of the companies provided. Before contacting these providers, visit a quote comparison website, and price the short-term plans offered by each company. Select a handful of providers that best fit your needs. Visit each company website, and ensure they are licensed and accredited with your state to provide insurance.

  3. Contact insurance providers, and submit an application for short-term auto insurance

    Contact the licensed companies that fit your needs for short-term auto insurance. Gather the pertinent personal and vehicle information required for the application. State the requested length of coverage, and mention your clean driving record and/or lack of filings in the past. Most insurance providers require a valid drivers license for at least one year, no more than six points over the last three years and a maximum of one fault claim over the last three years. If approved, request a copy of the policy by mail or e-mail.