How to Get Car Insurance for Just Part of the Year

Are you getting a car for a temporary period? Do you want to move to another state in few months and drive there? Are you renting a car? If you are one of those who wish to buy car insurance for just part of the year, here are some guidelines.

Difficulty:

Moderately Easy

Instructions

1. Evaluate the period for which you want to get the insurance. If you wish to buy insurance for a few months, it is often best to get a six-month policy. You can also buy insurance for one month when visiting a city for business or travel.

2. Call a local agent or go online and request quotes. Mention specifically that you want comprehensive insurance for only six months. Your premium will be higher compared to the yearly amount.

3. Decide on the car before buying the insurance. You may want to rent a car for short-term insurance if your car is too expensive and high in value. Getting a safe rental car will bring down your premium for short-term insurance. If you have a car and a policy on it, see if you are already covered for driving a rental car. This can save a lot of money.

4. Get insurance from the rental company. If you want hassle-free travel while on a vacation, ask the rental company for the lowest premium. Such companies have connections with insurance firms.

5. Contact your employer if you are on a business trip. The employer may provide you with part of the insurance when away for business.

6. Request multiple quotes. Shop online as well as over the phone.

Tips & Warnings

• While reasons for buying part insurance may vary, it is always cheaper to get an annual insurance policy.

• Consider getting your name added to someone else's policy, such as a friend or family member, if you are considering driving a borrowed car.