You may not have a car, but sometimes, you will have to go somewhere by driving. That means you need to borrow it from your friends or family or rent a car. Driving a car needs car insurance and in this particular condition, you will need short term auto insurance to keep you covered and other people joining with you for a couple of days.
Even though you just need it for short time, it does not mean you have to spend more money. However, do not just choose a company that offers the best price. Let’s apply these following tips to ensure you to get what you need.
Contact Your Current Company
If you already insure your home or health to a certain insurance company, call your insurance provider and ask whether they also provide short-term car insurance. Considering that you have to make the best deal for money saving.
You simply call the customer service and tell them what you plan to purchase. If your insurance provider is a good one, they will give you advice to ensure you get the best deal.
When applying short term auto insurance, you will be asked about your car that you want to insure such as the model, make, year and your VIN or vehicle identification number. Those will be used as consideration to determine your insurance premiums.
Find Other Insurance Providers
In case your insurance provider does not give you a best deal, there are many other providers that offer you short term insurance.
To begin, you have to find names and contact information that you can reach in your neighborhood. Use your Yellow Pages or online searching through Google or Yahoo Local.
While using search engine to find short term auto insurance provider, put your location where you are living altogether with the keywords. You will be referred to insurance companies that offer you short term car insurance.
However, not all insurance providers in your area have been licensed in your current state. It becomes your task to ensure that you come to the best provider.
You just need to get to the Insurance Department of your state through its official website. The National Association of Insurance Commissioners has to list of licensed insurance companies.
Find Insurance Quotes
If it is the first time for you to buy car insurance, you may be new at this: requesting insurance quotes. That can be done after you have the lists of insurance companies that offer short term auto insurance and already have license.
There are two ways: call the insurance providers one by one or use online quotes. During the process, you will also be asked to provide some information about your car such as the model, make, and year and also VIN of the car you are going to insure.
Your driving history like accidents where you have ever been involved.
Just like general car insurance, short term auto insurance also has coverage that you have to determine based on your need. Some types of coverage include bodily injury, medical coverage and property damage.
You have to be sure that the coverage that is provided under respective policy is the same. Match to the number of days you need.
Choose the Best Insurance Company
Before you choose certain company, make sure you fall into the best decision. Good offer may not represent the quality, reputability and reliability.
So, to get the best provider, you are to read online reviews, customer reviews and expert reviews to compare which provider gives you the best services and allows you to file a claim quickly and easily in case you need it.
After careful searching and considering, you will be able to find the best provider of short term auto insurance.