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Things to remember...

  • People who borrow vehicles for a day or two now have solid insurance options
  • Choosing coverages carefully can provide short-term drivers with effective protection
  • Comparison shopping is an easy way to save significant amounts of cash on car insurance

Even though cars remain the dominant form of transportation, many people are beginning to make use of alternative sources of conveyance such as public transit.

Even though alternative transportation is used by many, there are still many situations that may call for the use of a vehicle for short periods of time.

These situations can include:

  • borrowing a friend’s car when moving to new accommodations
  • using a car sharing service
  • taking a driving test
  • transporting a vehicle from one place to another

The common theme in all of these situations is the need for whoever is driving the vehicle to have some kind of insurance coverage.

Luckily, many modern insurance firms recognize this trend and have provided options for people who may need car insurance for a couple of days.

This article will take a closer look at the subject of short-term car insurance, and provide readers with information that will help them to choose the right policy by comparison shopping. Enter your zip code above to find the best rates for auto insurance.

Optional Coverage that Insurance Shoppers Should Consider

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While every state requires drivers to have certain forms of insurance coverage, many other insurance options are left at the discretion of the insurance shopper.

While optional coverages they aren’t necessarily required, many of these options are smart for short-term drivers to have.

Included in this list of common non-mandatory coverages are collision, comprehensive, and glass coverages. Uninsured and underinsured driver coverages can be either mandatory or non-mandatory, depending on the jurisdiction.

  • Glass coverage – covers any damages to the windows of insured vehicles.
  • Comprehensive insurance – takes care of any damages that may be caused by non-collisions. These can include vandalism, storms, fires, and the like.
  • Collision coverage – pays for damages sustained by the vehicle of the policyholder in the event of a collision with another vehicle or object.
  • Uninsured motorist – coverage pays for costs incurred if policyholders get in accidents with uninsured drivers.
  • Underinsured motorist – coverage makes up the difference in cases where the at-fault driver has insufficient coverage limits.
  • Loss Damage Waivers – These LDW’s are special additions that work to protect those who borrow or rent a vehicle if the car in question is stolen or damaged when in their custody.
  • Personal effects plans – These coverage plans pay for any personal property that may be lost if a car that is being rented or borrowed is broken into.

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Mandatory Coverages That Comparison Shoppers Can Save On

These coverages are required by law in just about every state or jurisdiction and include bodily injury liability and property damage liability.

  • Property damage liability – coverage pays for any damage caused by policyholders to the vehicles or property of others.
  • Bodily injury liability – covers costs that are associated with injuries caused by the vehicle of the policyholder during an accident.
  • Personal Injury Protection – Also known as PIP, this kind of coverage pays for the medical care of the driver and passengers of the insured vehicle.

Understanding Numbers Associated with Insurance Limits

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Whether individuals are shopping for mandatory or elective insurance, it pays dividends to understand what coverage limit numbers signify. One way to do this is to remember that insurance policies usually include a maximum group loss amount and a personal loss amount.

An example would be a liability policy that offers 150/400/75 coverage.

The first number means that each individual would have $150,000 worth of bodily liability coverage.

The second number means that the total bodily liability coverage per accident would be $400,000, and the third means that there would be $75,000 worth of property liability coverage per accident.

Understanding how these figures work can go a long way towards helping those who are comparison shopping to make better purchasing decisions.

Ways to Save Money When Using Short-Term Insurance

While short-term insurance may sometimes be a little more expensive than longer-term policies, there are some easy methods that savvy auto insurance shoppers can use to reduce their overall bills.

The following items are examples of some discounts commonly offered to insurance customers.

  • Bundling – This technique involves buying insurance coverages for different things from the same company. An individual could purchase home, life, and auto insurance from the same company, saving a little bit on each kind of policy along the way.
  • Safe vehicle discounts – If the vehicle that will be driven has modern safety features such as anti-lock brakes or anti-theft systems, such a car will often qualify for a discount.
  • Safe driver discounts – If the driver of a given vehicle has an outstanding safety record, they will often qualify for lower rates.
  • Comparison shopping – Individuals can often save large amounts of cash by comparing the policies of various insurance providers.

By using the services of a comparison shopping site, customers can quickly and easily compare the offerings of hundreds of insurance companies, and save large amounts of effort, time, and cash along the way.

Drivers may need to borrow vehicles for very short periods from time to time, and there is a lot to consider when seeking coverage for such vehicles.

That being said, individuals who apply the lessons from this article will be positioning themselves not only for safe passage but for significant savings. Comparison shop today by using our free car insurance rate tool.

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