Getting Car Insurance for Just One Day
If you are planning on borrowing a friend's truck for a day to help you move house, or hiring a car for a day for an unavoidable day trip and you decide it is not worthwhile to insure yourself for a full year, you could well be right.
This does not necessarily imply that you do not insure yourself at all. Auto insurance companies have a wide range of short term insurance packages to satisfy all needs. The critical thing is to discover the one that suits you best. Remember driving without insurance is a strict no-no as there are equal chances that on any given day, you could have an accident as not. Short term insurance is typically available for as little as one day up to as much as six months. So, if you need to drive but aren't covered by insurance acquiring any permutation or combination starting from one day to six months is a bright idea.
Decision on one day car insurance should be taken keeping in mind either the limited nature of the distance to be traveled or the limited amount of time to be spent behind the wheel. This kind of insurance particularly makes sense for people going on vacation in the event their current and operative insurance does not extend beyond the boundaries of their native state.
Normally one day car insurance products are designed to cover you for the following:
1. Damage caused by an accident
2. Auto recovery and repair
3. Vandalism, theft, fire and similar causes of damage
4. Discharge of liability contingent upon third party injury or death
5. Discharge of liability contingent upon damage/ destruction of third party property
A note of caution, it is very important to do your math and calculate the actual payouts before opting for 1 day car insurance as it is really suitable for only the most infrequent of drivers.
It may be surprising to realize that if you drive your car, on less than 4 days in a week and that too for short distances as can be seen by your milometer reading one day policies are not a good option, because auto insurance companies have designed policies tailor-made to fit your profile and one or more of these would suit you better than the agglomerate of 1 day car insurances every time you get behind the wheel.
Usually the rule of thumb is if you drive two to three times a week; opt for a very reasonable six - twelve month policy, but once every two to three months qualifies you to consider a one day car insurance seriously.
Having said that, it is important to mention that insurance companies place certain categories of insured persons in what is termed as 'high - risk' drivers not solely on the basis of their past record but also on the basis of their profile, such as age, gender, educational qualifications, neighborhood and the like. Added to this they have far stricter norms for one day car insurance purchase and therefore, although a 1 day car insurance maybe economically the most viable option but you may end up not finding an insurer willing to provide you with a one day car insurance.
Young college going drivers, elderly drivers, and drivers with poor driving records may find it almost impossible to get a 1 day car insurance. In this regard, ideally your insurance agent would be your best bet as rules and regulations for short term insurance vary from company to company.
A profile of drivers who should face no problems in acquiring one day car insurance would be as follows:
1. 21 - 75 year olds
2. License holders with not more than 6 penalty points over a period of three years
3. Persons with no suspensions of their license in the past five years
4. Persons with a maximum of one claim in the past three years for an accident where the fault is attributable to them
As in the case of long - term insurance, the steps to acquiring one day car insurance are pretty much the same. They consist of gathering up information such as information relevant to your vehicle, driving history as well as personal information, in order to ensure accurate quotes.
Do a preliminary check by comparing long term insurance policies obtained from service providers and then narrowing your search in order to elicit the best deal.
As an alternative to the step above you could do the same work by calling in your insurance agent to provide quotes not only from national but local insurance agencies.
Isolate your service provider bearing always in mind that the cheapest price may not always ensure the best service.
It is in this context that it is important to go through the documentation carefully, particularly when it comes to reviews and testimonials from previous customers.
Paying the premium seems logically the last step and payment modes include credit and debit cards, check, cash or money order.
However, after following these steps and before driving your car it is imperative to get proof of your insurance.
So, cheers, take care and happy driving.
by FlowersDaniela
Decision on one day car insurance should be taken keeping in mind either the limited nature of the distance to be traveled or the limited amount of time... more »
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