If there is one thing that’s true about car accidents, it’s that they are unexpected. If you usually don’t drive and only plan on driving a car for a single day, it’s easy to assume that auto insurance isn’t necessary. Think again. Auto accidents can happen anywhere, anytime. The unpredictability of driving is why you need one day car insurance.
Typical Uses For One Day Insurance Policies
One day car insurance makes sense for anyone needing to drive a car for a short distance or for a limited amount of time. Those who can benefit from these policies include movers, vacationers, test drivers, or borrowers of friends vehicles. Whenever you need to drive and you do not have insurance, buying one day car insurance is a smart decision. Whether you are borrowing your friend’s truck to move some furniture or you are traveling across the country and aren’t sure if your insurance covers you in a foreign land, one day car insurance is for you. (Note – Short-term insurance is usually available from one day up to six months.)
Typical 1 day insurance policies will cover you for:
- Damage in the event of an accident
- Accident recovery and repair
- Damages resulting from vandalism, theft, or fire
- Liability against injury or death of another person
- Liability against damage to another person’s property
One day car insurance should only be used as a tool for saving money for very infrequent drivers. For example, if you drive your car two or three times per week, and do not put much mileage on your vehicle, you should NOT consider one day auto insurance. There are already very cheap 6-month and 12-month policies for drivers who fit this profile. On the other hand, if you drive once every 2 or 3 months, one day car insurance could be perfect for you.
Unfortunately for some drivers, insurance companies have more restrictions for who they let purchase one day car insurance. Young, high-risk drivers may find it difficult in finding an insurer who will insure them for only one day. Elderly drivers might face the same restrictions. Drivers with inferior driving records and those with DUI/DWI’s on their record can also forget about one day car insurance. If you question whether or not you will be able to obtain one day car insurance, it’s best to ask your insurance agent. Different insurance companies have different rules and regulations when it comes to coverage in the short term.
The following drivers should have no problem getting 1 day auto insurance:
- Drivers aged 21-75 years old
- Drivers with no more than six penalty points on their license within the past three years
- Drivers who have not had their license suspended in the past five years
- Drivers who have had no more than one at-fault insurance claim in the past three years
How To Get One Day Car Insurance
Now that you have decided one day car insurance is right for you, here is a step by step guide on how to get this type of insurance.
- Gather Up Information – Before calling your insurance company and getting one day insurance quotes, make sure you have your vehicle information, driving history information, as well as personal information all on hand. Doing so will make the process all the easier.
- Request Insurance Quotes Online – Use the form at the top of this page to get quotes from the leading insurance providers. Once you find a few companies you are interested in, request quotes for single day coverage policies from them — all of the major car insurance companies offer short term day-by-day insurance packages.
- Call Local Insurance Agents – You should also call a few independent local insurance agencies. Our insurance quote tool will mainly provide you with quotes from national insurance providers. You might be able to get an affordable, more customized quote by staying local.
- Pick A Provider – After you have compared prices and read reviews, it’s time to choose an insurer. Remember – the cheapest rates don’t always provide the best quality service. Make sure you peruse customer testimonials and reviews before making your decision.
- Pay The Premium – Once you have committed to an insurance company, it’s time to make payment. For one day car insurance policies, it’s often easiest to pay online with a credit card or debit card. Alternatively, you could also pay with a check, cash, or money order, but it might take a bit longer to process.
- Get Proof Of Insurance – After you made the payment, make sure you get a proof of insurance card before you drive. If you get into an accident or get pulled over, police will need to see this to make sure you are insured.