Short term car insurance is very convenient for people who have a short term need and don’t want it to affect a policy that they may have in effect on another vehicle. Short term car insurance is extremely useful if a car is stored in an area where there may be a hurricane or tornado.
Short term car insurance can be acquired for the hurricane season and if a car is damaged or destroyed during the insurance period it will pay the costs of repair or replacement. This is very important in regions of the United States that experience severe hurricanes and tornadoes during the year.
When renting a car, the insurance that is issued on the car’s contract often only covers the person renting the car. When the car is being used by a group of friends for vacation travel, short term car insurance can be acquired to cover all of the individuals who will be driving the car. This is an important benefit if the driving will take place in regions of the country or cities that the drivers may not be familiar with. In some cities there is a very high incident of accidents because traffic is very heavy and the drivers do not obey all of the rules of the road. As a visitor, it is easy to become distracted and get into an accident on a busy city street. By acquiring temporary car insurance any accidents that occur during the vacation are covered and will not be reflected on your established policy. Therefore, insurance rates will not increase for you or your driving partners.
As a visitor to the United States, many people become quite confused by our driving rules and regulations. Many of the rules of the road in other countries directly conflict with the rules of the road in this country. This can create a very distracting driving experience for visitors who may not be familiar with our regional laws. Temporary car insurance will take care of any damage that occurs if a visitor to the United States gets in an accident. They will be able to focus on enjoying their stay in the United States and not worry about what the ramifications of getting into an accident in a foreign country are.
If a person is going to have a vehicle for a very short time or transport it from one location to another, it is important that they acquire temporary car insurance to cover the time they will be driving the car. If an accident occurs the temporary car insurance policy will cover the repair or replacement of the car and the accident will not increase your insurance rates with your established insurance company.
By: Oliver Williamson
Archive for November, 2009
Short Term Car Insurance
November 25th, 2009Short Term Car Insurance – The Temporary Coverage For Your Car
November 25th, 2009
Have you ever found the need to add someone to your existing insurance policy for a few days? Have you had the need to borrow someone else’s car? In cases like this you need to have a short term car insurance to cover you or someone else as additional drivers on your vehicle for a few days. Doing so will not affect the no-claims bonus you are aiming for on your main car, therefore minimizing the risks. A short term insurance provides a quick coverage when you need it most and of course at a especially discounted price.
A short term car insurance is best for adding temporary drivers to your main car. It can be applied especially when you have visitors from overseas and you need to provide them with a car as a means of transportation. So therefore, short term car insurance also is great for adding temporary additional cars to your policy. It can also be beneficial for unaccompanied vehicle demonstrations or use of courtesy cars. If you will be needing to lend your car to a relative or a friend, you will also need to file for a short term car insurance. In many instances, most college kids who are returning home for term breaks requests their parents to grant them permission to drive their mom’s or dad’s cars around while on vacation. A short term car insurance can, in some circumstances, provide a solution to many parents’ dilemma of getting their teenage or college kids some form of insurance coverage while they are out driving their parents cars.
In the UK, availing of a short term car insurance is easy provided that you have a standard UK license. The insurance period most insurance companies provide will range from 1 to 28 days for short term insurance coverage. Secondary drivers however will need to be over 24 years of age to qualify for this type of insurance.
Short term car insurance also offers fast and easy payment schemes (online) to cater to your immediate needs. Since almost all insurance providers now have a 24 hour hotline, you can either call one of their agents or submit an application online to facilitate the quick granting of your temporary insurance.
Cancellation of the policy is easy as well. Most insurance providers just ask for a written cancellation request from the policy holder and the return of the motor receipt.After the documents are received then the cancellation will take effect. Refund procedures may vary depending on the policies of each insurance company .
By: Scott Nichols
Auto Insurance Student Driver
November 25th, 2009
There are many issues, concerns, and considerations when thinking about automobile insurance for a student. Many of them have to do with discounts and savings, some have to do with options on coverages. Let’s dive in.
If the student is just getting their driver’s license, the parents can expect to see a hike in their insurance premiums. These hikes historically have been greater for boys than girls (though statistically girls are proving to have more accidents, so this trend is reversing). It is not unheard of for premium rates to increase as much as 50 to 100 percent. Yes, you read that correctly.
That leads to one of the primary courses of action one should take (whether you’re adding a student driver to your policy or not), and that is to do some comparison shopping. Not all insurance providers are created equal and one of the greatest differences may not become apparent until you see how they handle drivers in the 16 to 25 age range. It could pay you greatly to take the time and comparison shop.
The insurance industry is all a numbers game. That is they have researched which types of people tend to be better drivers (have less accidents and claims) than others. They have found a correlation between good grades in school and fewer accidents. Therefore, if a student maintains a B average they can qualify for a “good student discount” which may be as much as 5 to 10%.
Driver’s education program have become pretty much standard fare. Discounts do apply. Some states require such courses for a teen to get their license at age 16, otherwise, it will be at age 18. Driver’s education can provide a discount of up to15%.
Related to a driver’s education program is the safe driving programs that are specifically tied to some insurance providers. Some insurance companies offer their own driver’s safety program. Teens who apply for a complete these programs can qualify for another discount of up to 15%. Check with your insurance provider, or, this may be a consideration when doing your comparison shopping.
Another consideration that can greatly affect automobile insurance premium rates has to the with the car itself. Younger drivers (and many older ones) are greatly enamored with a certain kind of car – their dream car. Many times that translates into much higher premium rates. Cars with more safety features and less horsepower can be much less expensive to insure.
One final insurance matter that often applies to students has to do with short term auto insurance. Of course, the cheapest option is for a student not to be a full-time insured driver. That’s not always possible, but many university students can get by without having or using a car regularly. But the time does come when that person is going to have to drive. Temporary insurance can be secured for as short a time as one (1) day and up to twenty-eight (28) days. That may just fit the bill for a university student needing to drive home for a break or the end of a semester.
By: David Deffenbaugh