Obtain Short Term Car Insurance

Obtain Short Term Car Insurance

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Obtain Short Term Car Insurance
What is Short Term Car Insurance?
Short term car insurance is a form of insurance that provides coverage to a driver for only a brief period of time--typically 1 week to 6 months. Short term car insurance is offered as temporary coverage to those individuals who need protection for a special circumstance, such as when an individual rents a car or lends a personal vehicle to a friend or relative. 
In most situations, short term car insurance is held separate from a long-term policy and will require a different application—the application process is different from the more-substantial coverage offered in a regular or fixed plan.


How do I Obtain Short Term Car Insurance?
The most efficient way to obtain short term car insurance is to apply through one’s existing insurance carrier. The existing insurance provider is typically able to expedite the obtainment of short term insurance through the presence of an already-filed application containing all the applicant’s personal records and driving history. Additionally, by going through the existing provider, the individual will typically be offered a discount to purchase the substituted form of insurance.
 If the individual wishes to go through a different insurance provider, they must research different short term insurance policies to effectively price the market. All short term car insurance policies may be searched for online or directly through the provider’s website.
Furthermore, the majority of insurance sites will offer comparisons of the different forms of short term car insurance made available by competing insurance companies. This pricing feature enables a prospective buyer to choose a low-cost form of short term car insurance, while comparing the details of the policy to ensure that the buyer has purchased the most effective policy available. 


What Does Short Term Car Insurance Provide Coverage for and Why Would I need it?
The majority of short term car insurance policies will provide coverage against damages sustained to rental cars, moving vans, lenders or cars that are temporarily borrowed from family or friends. Short term car insurance is considered effective and desirable in situations where an individual is lending a car to a friend or family member or is using an un-insured rental vehicle. Additionally, short term car insurance is beneficial for cars that are kept in storage; in these situations, long-term insurance is not needed as a result of the vehicle’s limited use. 
Short term car insurance is also useful in those instances where adding a driver to a long-term policy may be difficult. The age of the driver as well as the driving record of the individual being added may complicate this process; if a driver has an accident while covered on a long-term policy, the inclusion of additional premiums and the loss of a discount will be realized.
As a result of the separate status that a short term car insurance policy represents, the same benefits-- in regards to coverage--will be offered, however, any negative effects that arise due to an individual’s poor driving records will not alter the long-term plan. 

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