Car insurance temporary driver: why do you need to get it?

If you are thinking of getting behind the wheel of the car, then the first thing you have to do is to approach the insurance companies and get yourself a good insurance plan. In 48 states out of 50, it is mandatory for you to get your car insured.

Typical insurance plans are for 6 months. But, if you are driving for a short period of time, then getting short-term insurance is a wise decision. However, it is not readily available in the US, but for certain circumstances, you can get this type of insurance.

Car insurance for temporary drivers: Is it a good idea?

If you want to avoid any trouble from the authorities, then getting short-term insurance is a good decision. If you are driving without any insurance plan, then you will be subject to a fine or even jail time. Furthermore, in the event of an accident, you could be liable to pay the expensive medical bills and property damages from your own pockets.

Getting this type of insurance will be a wise decision if you are using a car other than yours when:

  • Taking turns in driving while on a road trip with friends
  • In the event of an emergency and the other person is the only available option.
  • While using a rental
  • When your car is in the workshop for repairing
  • While volunteering to drive other people but in their car

Why getting temporary car insurance for new car is a wise decision?

It is not necessary for you to keep your car for a long time as you can buy a new car for temporary use then resell it. However, you will need insurance for it too and it is mandatory. So, instead of buying a yearly insurance plan, you can go for temporary car insurance.

For example; you are buying a car for a month to go on a road voyage with your friends and are planning to sell the vehicle at the last stop. So, going for a long-term policy is not feasible at all and it will be a total waste of money.

This way, you will stay safe and won’t face any fines while saving your money on long-term insurance.

Tips to save money on car insurance temporary driver:

What follows are some steps you can adopt to save some money on your short-term insurance:

Shop around and compare

Prices will differ from provider to provider and shopping around will help you get the right price. With this trick, you will get lots of quotes from various insurance companies and you can compare them and get the best out of them.

Good credit history will help you

Good credit history means you are a regular customer and will pay your premiums on time. By maintaining a good credit history; you will gain trust and that will lead you to lower premium prices. Some companies will look at credit history before deciding the premium rates of a customer. Clear your debts and pending bills and you may get an affordable premium for your insurance.

Avail various discounts

Many customers shy from asking about discounts and lose the chance to save money. If you are a safe driver, a good student, drive less than a number of miles, and have taken the driver’s education program then you can apply for various discounts.

Keep a clean driving record

A bad driving record means a high-risk driver and that will lead to a higher premium rate. If you drive safe and sound then you will be considered as a low-risk driver and that will lead to an affordable premium price.

If you are looking to get short-term insurance, we at Alias Insurance will help you to get it without any hassle. Our panel of experts will help you and give helpful advice to solve your queries and give a seamless experience.