My cousins from Canada will be visiting for Thanksgiving here in Phoenix Arizona. They might be staying longer though for some planned trips-both for business and for pleasure. That’s why my husband suggested that they should purchase a short term car insurance policy. What do you think are the advantages of getting such policy?
Ingrid
Phoenix Arizona
Well, a short term car insurance policy is developed for people who find it more advantageous to get short term cover for their car (just for rare occasions or unexpected times) rather than insure it for the whole year. A short term car insurance policy will only be in effect for a short, specific period of time and is more readily available ranging from a day to six months. A short term car insurance policy offers the same kinds and insurance coverage cost as traditional car insurance policies. The only difference is that the policy is quoted for a specific period and is not renewable instantly.
Reasons for purchasing short term car insurance policy include coverage for:
- Driving a friend’s car, a rental car for a temporary period, such as an airport trip or use during a holiday or insuring another person to drive your car temporarily for shared driving on a long trip
- A houseguest that will be staying for a short period of time; a relative or visitor from another country or college students home for the summer or winter break
- Test driving a car, driving a courtesy or hired car, temporary ownership of a vehicle
Under a short term car insurance policy ,you can insure your vehicle and allow other people to drive if you are planning to lend your car to another driver not listed on your existing insurance policy, a visitor, a friend or other family members in need. You can buy both liability and collision coverage under a short term car insurance policy .The rates are usually based on the insurance type, amount of insurance, the duration for the policy and driving record.
Car insurance companies in Arizona differ when it comes to car insurance requirements. Generally the shortest term for car insurance is for six months.