How to Get Cheap Short Term Car Insurance

June 12, 2013

Whether you need to use a borrowed car for several weeks or months, or need to borrow a vehicle from a friend or family member for only one day, cheap short term car insurance will give you some protection in the unlikely event you are involved in an accident or the vehicle is damaged or destroyed. There are plenty of companies that offer reasonable short term or temporary insurance coverage, and using the Internet makes finding them easy. So, here is a quick step-by-step guide on how to get cheap short term car insurance.

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What You Will Need

  • A borrowed car
  • Vehicle Owner name and address information
  • A valid driver's license
  • A personal computer
  • An Internet connection
  • Basic Internet research skills
  • Compare Car Insurance Companies >>


Step 1 - Prepare Information

First, gather all of the information you will need to apply for a short term car insurance policy. For instance, if you are borrowing a vehicle from a friend or family member, you will need to know the complete name and address of the registered owner as well as information regarding the owner's current insurance and lender. If you'll be using a short-term policy to provide coverage for a rental car, you need to prepare documentation needed for a non-owners car insurance policy. In any event, you'll need to have your drivers license as well as knowledge regarding your personal driving history available.


Step 2 - Find Insurance Companies

Next, you need to find insurance companies to provide short-term insurance coverage. You can visit websites such as DayInsure.com or TempCover.com to receive quotes from companies that specialize in short-term or temporary car insurance coverage. Alternatively, you could use a major search engine like Bing, Google or Yahoo to search for companies that provide temporary coverage as well. To begin your search, simply enter terms like "temporary car insurance" or "short term car insurance" and click the search button. The search engine will then show you a lot of links to websites where you can find more information or request quotes.

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Step 3 - Request Quotes

After you've completed your search and found three or four companies you're interested in, contact each of them and request quotes for short term car insurance coverage. Make sure to enter all of the required information so that the companies can provide you with an accurate estimate of how much the coverage will cost you.


Step 4 - Choose the Best Deal on a Policy

Once you have contacted all of the companies and requested a quote, you should receive quotes within a few hours or in most cases in less than a day or two. Once you receive all the quotes, you'll need to carefully compare them for the policy that offers the best deal on coverage, but still offers policy limits and coverage that will protect you in the event of an accident. Choose the company you think offers you the best deal.


Step 5 - Pay for the Policy

Now that you have chosen the company, you simply need to pay for the policy. Ask the company about available payment methods and. In some cases, you may be required to pay the entire cost of the short-term coverage upfront as many companies do not allow for weekly or monthly payments on temporary car insurance coverage. However, if you will be purchasing a policy for several months, the company may allow installments. Pay the entire premium or minimum amount required by the insurance company to start your coverage.


Step 6 -Receive Confirmation

After you've made your payment, you should receive confirmation that you can print out on your computer or a confirmation email that verifies payment. Make sure that you keep a copy of the receipt for your records.


Step 7 - Receive Proof of Coverage

You should receive proof of coverage for the short-term policy as soon as you receive confirmation of payment or you may receive the this in the mail within a few days.

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