Insurance for 2 Months on a Vehicle

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Things to remember...

  • Short-term car insurance policies offer unique opportunities for people who need to drive for a few months
  • Saving on short-term policies begins with sound comparison shopping
  • Discounts are available for a surprising number of safety options

Getting car insurance with specialized terms has become easier than ever. One option that offers individuals the freedom to set their own standards is known as a short-term auto insurance policy.

These policies can run from very short to intermediate terms. For example, someone who wished to rent a moving van might need a four-hour policy. Conversely, an individual who needs transportation on vacation may require something for a month or two.

This article will examine these intermediate term policies and lay out some of the options that automobile insurance comparison shoppers may want to look out for. Enter your zip code into our free rate comparison tool to find the insurance you need for the best price.

Insurance Policy Basics

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Automobile insurance comes in two main varieties that include mandatory coverage and optional coverage.

Mandatory coverage can be divided into two subgroups, including bodily injury liability and property damage liability.

  • Bodily injury liability – This insurance policy mandate provides medical compensation for anyone injured in an accident involving the insured vehicle. For example, if the policyholder rear-ends someone else, bodily injury liability would cover the medical bills.
  • Property damage liability – This insurance policy item provides payments for property damage resulting from a collision with the insured vehicle. This includes coverage against damage to structures such as homes.
  • Personal injury protectionPIP is mandatory in many jurisdictions, and with good reason. Personal injury protection provides medical payments for anyone who is injured inside of the insured vehicle during an accident.

Furthermore, personal injury protection can provide support in a variety of other situations.

A good PIP plan would cover for lost wages and even rehabilitation costs.

Considering the high cost of heath care and the steep costs of personal insurance deductibles, PIP is a smart choice for addition to any auto insurance portfolio.

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Optional Coverage

Even though the decision whether or not to carry these coverages rests with the individual, they can be especially useful to someone who will be driving for limited periods of time.

  • Collision – This insurance covers any accident-related damages sustained by the vehicle of the policyholder. In an age of hit-and-run incidents in parking lots, this is a good choice.
  • Comprehensive – This coverage provides payments for damages sustained by the client vehicle due to hailstorms, vandalism, theft, and more. A little of this kind of protection can go a long way toward protecting personal bank accounts.
  • Glass coverage – Sustaining a shattered windshield is always just one misdirected roadway pebble away. Glass coverage can automatically pay for the replacement of any cracked or otherwise compromised glass in an insured vehicle.

Ways to Save on Automobile Insurance Coverage Costs

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  • Comparison Shopping – There are a large number of car insurance companies vying for customers, and this presents possibilities for those who are willing to shop around a little. Luckily, comparison auto insurance shopping websites can take all of the hassles out of the process.
  • Bundling – This term may sound complicated but simply involves purchasing multiple types of coverage from the same company. For example, and individual might source their car and their home insurance from the same firm and receive a discount as a result.
  • Safe Vehicle Discount – If the vehicle that is being insured for a couple of months is on the newer side, it probably has many built-in safety features like anti-lock brakes. These features are often eligible for discounts and should be factored in when comparison shopping.

Policy Options Useful For Short-Term Auto Insurance Shoppers

– Underinsured and uninsured Driver Coverage

The issue of drivers operating their vehicles without adequate insurance coverage is an ongoing one and presents a clear and present danger to other drivers.

Drivers who may be on the road for only a month or two stand a lot to gain from carrying this option on their auto insurance portfolios.

These options protect customers by paying for damages caused by an accident involving an uninsured or underinsured vehicle.

This coverage can be especially useful in no-fault jurisdictions. In such areas, if the cause of the accident is ambiguous each of the parties may have to pay for their own damages. In cases like these, having uninsured driver coverage can make all of the difference.

– Towing Coverage

If the worst does happen and an accident does occur, individuals who are on the road for a couple of months can be well-served by towing coverage. This can allow for the incapacitated vehicle to be moved to a shop for repair without extra cost to the policyholder.

Short-term policies truly offer drivers more freedom of choice than ever. Comparison shoppers who make use of the information presented in this article may find that they can offer surprising savings opportunities as well.

Compare car insurance rates today by entering your zip code below.

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