Some people feel that buying a right insurance policy is sometimes tough than buying a car. There are various car dealers available for different types of car brands and you can easily choose one among them based on the car model you require. For instance, if you are eager to purchase the Toyota car, then in Kansas City you can choose Adams Toyota, the best Toyota dealer in the city. There is at times people need short-term car insurance. Before shopping for the temporary car insurance, you must check the guidelines on taking a car insurance premium only for short-term.
The standard period for car insurance premium is 12 months. At the end of your policy, you can either choose for auto-renewal or you can change to another insurance provider to minimize your cost. Sometimes, you don’t use the car for the whole year. You may either borrow someone’s car or drive a car off-basis and you can get the temporary insurance at such times.
If you drive your friend’s car often, you can include your name in the named driver option of the car insurance policy of your friend to cover under the insurance policy. But it is not the cheapest insurance option. If you get the claim then it will definitely affect your friend’s insurance claim bonus and make it difficult for him or her to get the cheapest policy in future.
Another option for short-term insurance is you can use the ‘driving other cars’ when it covers under your insurance policy. It is an extra feature on this insurance policy but only a few people use this insurance policy. It is only for the third party cover so you will not claim for your car if you met with an accident. When shopping for the policy, you must check whether your policy covers this option to enjoy the benefit.
There is a temporary insurance policy that has a short-term benefit of 1 to 28 days and some policies are available for up to 90 days which is perfect insurance option for borrowing a car to learn driving. The short-term driving option is also useful when your friend or family member who can lend their car to you.
The temporary insurance option is handy when you want to share the driving for a long trip if you can borrow a car or take the car from the garage. Using the temporary insurance, you can drive your new car from the showroom to your home. Most of the car dealers offer the short-term insurance policy. If you are buying a used car then you must remember to organize the insurance cover privately. Short-term car insurance is perfect in this situation since it permits you to transport the car home while giving you some time to shop around for a good deal on the car insurance policy.
There are some insurers who offer temporary insurance for other vehicles like van so that it will be very helpful for moving your home or office. Buying the short term insurance policy is cheaper than the overall costs.