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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.

OK. Is it really possible to get auto insurance for one day on an on going basis (being a middle man in title exchange)?

Our Answer – One Day Auto Insurance

Yes! Many major car insurance companies in the United States offer one day auto insurance coverage specifically for situations like this.

You might also buy one day car insurance coverage if, for example, you’re renting a vehicle on vacation, using a truck to move your stuff from one place to another, test driving a vehicle, or borrowing a friend’s vehicle.

Some people also buy one day car insurance if they only drive their car infrequently. Let’s say you live in the city and only drive your car once a month to take a trip to Costco. You might find one day car insurance more affordable than a traditional policy.

You Might Already Be Covered

one day auto insuranceTypically, the people who buy one day auto insurance policies are people who do not currently have car insurance.

If you own your own vehicle and have car insurance, then you might already be covered. In fact, you could be doubly covered: car insurance follows the vehicle, which means you should be covered when driving someone else’s vehicle (assuming the vehicle has insurance). In this situation, your personal insurance could act as secondary insurance, giving you an extra layer of protection.

Check with your insurance company to determine if you already have coverage. If you’re not covered, or if you don’t have car insurance at all, then you might wish to buy a one day car insurance policy.

Can I Get One Day Car Insurance?

You should be able to get one day car insurance if you are between 21 and 75 with a relatively clean driving record.

Typically, insurance companies will refuse to provide one day insurance to young drivers, drivers with multiple at-fault incidents, and drivers with previous license suspensions.

As long as you meet the following requirements, you should be able to get one day car insurance while acting as the middleman in a vehicle title transfer:

  • You are between 21 and 75 years of age
  • You have no more than 6 penalty points on your license within the past 3 years
  • You have not had your license suspended in the past 5 years
  • You have had no more than 1 at-fault insurance claim in the past 3 years

How to Apply for One Day Car Insurance

Applying for one day car insurance is straightforward. Here’s what you should do:

Step 1) Gather your information, including your vehicle information (year, model, and mileage), your own driving history, your license number, and other personal information

Step 2) Compare insurance quotes online. Use our own website or another auto insurance comparison website to compare quotes from leading insurance providers. All major insurance companies in the United States offer one day car insurance policies, and you should be able to choose that option easily when filling out the car insurance application.

Step 3) Call local insurance agents. Sometimes, local insurance companies have better deals than nationwide providers on one day car insurance. Consider calling a few local providers.

Step 4) Pay your premium. Most one day car insurance policies can be paid online using a credit card or a debit card. You might also be able to pay with a check or cash, although it may take longer.

Step 5) Get proof of insurance. After making your payment, the insurance company should allow you to print off your proof of insurance card (or, if the date is in the future, they might mail the card to your address). Hold onto this proof of insurance. You’ll need it if pulled over.

That’s it! Again, all major car insurance companies offer one-day car insurance policies. You should be able to easily select the date on which you want your car insurance – including today, if necessary.

Some car insurance companies also offer short-term policies – like car insurance that lasts a week or a month. Look for these policies – including one day policies – under the short-term coverage or temporary car insurance section of an insurance provider’s website.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Other Answers

Answer 1

Hi Bill

Not too sure I understand your question.

Let me get this straight – You are going to be a middle man in a vehicle title exchange and would like to get one day insurance for this?

If so, this is possible and most insurance companies DO offer one day policies. Read more about them here:

Answer 2

Due to various state laws, the price of auto insurance varies from state to state, with some states being quite economical and others are not so much. Michigan, home of Motor City, ironically tops the list of the most expensive states for auto insurance.

Answer 3

It can be possible through the Allied Insurance Group which provide one day auto insurance policy. You can know more about the scheme by their website.

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