Short Term Car Insurance

Reader’s Question:

I am just borrowing a friend’s car for a few days for a vacation trip but people constantly remind me that I need car insurance for it. Is there something like a cheap short term car insurance available for my case here in Texas?

Cindy

Houston TX

Many people thought that car insurance policies will only provide coverage for at least 6 months to a year. However, there are policies that can cover you for a few days, depending on how long you’ll drive the car. This is called short term car insurance, which is also known as temporary car insurance.

Short term car insurance is recommended to those who are renting or borrowing a car from a friend and for those who are have just bought their new car and needed to drive while still unable to find a good annual car insurance policy. If you are lending a car to a friend or if you need to add a temporary driver, purchasing a short term car insurance is recommended. In this way, when your friend or the additional driver gets into an accident with your car, claims will not be taken against your personal car insurance policy but against the short term car insurance.

By purchasing short term car insurance before you drive your car, you are also saving yourself the financial trouble in case you will get into an accident with the car. With this type of insurance policy, you don’t have to pay for the medical costs that the other parties incurred and for property damages made to their cars during the accident.

You can find cheap short term car insurance in Texas by approaching your nearest car insurance companies specializing on short term policies. These are the car insurance companies that has found a niche in providing short term insurance policies to people who uses cars on a temporary basis. The Internet can also direct you to car insurance companies that can provide you with cheap short term car insurance policies. Doing your search through the Internet can further save you time, money and energy.

A cheap short term car insurance do not need to be permanently part of an insurance policy. Take note however that short term car insurance policies are only good for a few days or a month only. If you plan to constantly use a car to drive, it may be more cost-effective to get an annual policy.