Ever wondered if it’s possible to get car insurance for just one day? Although there is no such thing as one-day car insurance, you could get short-term car insurance. Let’s take a closer look at how short-term insurance works. Driving without car insurance is illegal and puts the lives of other road users at risk! Every state, apart from New Hampshire, requires drivers to carry car insurance. However, with car insurance rates skyrocketing lately, many drivers drive without car insurance. This begs the question: is it possible to get car insurance for just one day?
Although there is no such thing as one-day car insurance, the best car insurance companies do provide short-term auto insurance for a period of 6 months. Hence, if you see someone post an advertisement for one-day car insurance, be wary. It could be a scam to obtain your personal information, for all you know. Here, we take a look at short-term policies and the situations where you might require one.
What Is One-Day Car Insurance?
One-day car insurance is not real. It is a myth. You won’t be able to find a real policy that only covers you for 24 hours as you look. If a provider says they can do that, be careful. Major companies usually offer plans that cover your car for at least six months.
If you’re borrowing someone else’s car, you might not need to buy separate insurance. Your friend’s insurance might cover you if they let you drive their car. If getting insurance is still the best, consider choosing rental or coverage based on miles. You could also get a standard coverage to buy online and cancel anytime. No matter which company you choose, it’s a good idea to look around and see which has the best deals for your needs.
When Do You Need One-Day Car Insurance?
One-day car insurance, or short-term policies, are a great option if your extended coverage car insurance policy has expired and you urgently need to drive someone else’s car. However, be wary of scans while searching for short-term car insurance policies. Although most car insurance companies do not offer one-day car insurance, they do issue short-term auto policies for a duration of 6 months. These short-term car insurance policies are a great option when:
Driving a Rental Car
Short-term car insurance policies are a great option when you want to get a rental car insured. But before you buy this policy, make sure to call the rental car company and ask them if the insurance policy for the car you are driving provides coverage for you.
Driving a Borrowed Car
Are you planning to borrow your best friend’s car while yours gets a tune-up at the mechanic’s? While your friend might be benevolent enough to let you drive their car, they are surely not going to like it if you crash or damage their car. If their car insurance policy does not list you as a covered driver, they cannot seek compensation for the damages you caused. To avoid such a situation, we recommend getting one-day car insurance.
Cars in Storage
If your car’s been lying in storage for a while, but you urgently require it for running errands, you could consider getting one-day car insurance. If you’re a petrolhead who builds kit cars in your garage, buying short-term car insurance allows you to drive the car on the road legally. Hence, you could say it is a great way to save money to reduce insurance costs while ensuring you have adequate coverage while on the road.
Classic Cars
Do you own a ’68 Ford Mustang or a ’72 Pontiac GTO? We believe every classic car owner should drive their prized possession frequently so that fellow road users can appreciate them. However, it is easier said than done, as parts are scarce, and maintenance can cost hundreds of dollars a year.
However, many classic car owners like to take their cars out for a classic car meet. It is better to opt for one-day car insurance in such instances than a full coverage policy. It helps you save a ton of money and ensures you and your car get coverage on the day of the meet.
When You Think It Is Not Worth It!
Some people prefer to drive without insurance. They tend to insure their vehicles with their own money rather than purchasing an insurance policy. Only a few states allow this, commonly referred to as self-insurance. That means you’ll have to pay out of pocket for any incidents involving your car and another vehicle.
How to get One-Day Car Insurance?
One-day auto insurance policies have a few conditions. Insurance companies that offer short-term policies require drivers to be at least 21 years old. Additionally, drivers should also ensure they do not have more than six points on their license in the previous three years.
If you’ve had your license suspended in the last five years, you may not qualify. Look up organizations that provide single-day estimates and coverage on the Internet.
Short-term insurance packages, including day-by-day packages, should be available from all major insurance firms. You have the option of selecting which policy provides the greatest terms and coverage options for your needs.
It’s also a good idea to get quotes from local independent insurance firms. Quotes from local providers are frequently more customized than those from larger firms. If you’re driving in another country, be sure your insurance covers the area where you’ll be driving.
Get all of your driving history, vehicle details, and other personal information in one spot once you’ve chosen a provider. This will make the procedure go more smoothly and quickly. Pay your premium as soon as possible after the policy has been drafted. Most suppliers accept credit cards and internet payments.
Get your proof of insurance once your payment has gone through, and you’re ready to travel! You must obtain proof before driving and carry it with you in the event of an accident or a traffic check. Start your search for the best quotes for your needs by tapping the banner at the top.
Renée Martin is a travel and car expert who focuses on road and air travel in the U.S. For the past 6 years, she’s been helping make driving and trip planning easier and budget-friendly for everyday travelers.
