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Auto insurance companies don’t offer temporary insurance options, but you can cancel your coverage or use non-owners insurance if you need temporary insurance

Cheap Temporary Car Insurance For New Drivers

Cheap Temporary Car Insurance For New Drivers

Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a Guides team writer and has written for a number of automotive news sites and marketing firms across the US, U.K. and Australia, specializing in car finance and car care. Daniel is a Guides team authority on car insurance, loans, warranty options, car services and more.

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Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is an editor for the Guides team with over 10 years of experience in personal finance and insurance topics.

Whether you are using a car in a new city for a short period of time or plan to sell your car soon, there are many reasons why you may need temporary insurance. The thing is, temporary car insurance is not a standard option from most car insurance companies.

There are ways to get short-term coverage so you don’t need to use insurance for a period of six months or longer. In this article, we at the Guides Team will give you your options for temporary cover and recommend some of the best car insurance and cheapest car insurance companies to check out.

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The Guides team is committed to providing reliable information to help you make the best possible decision about insuring your vehicle. Because consumers depend on us to provide objective and accurate information, we have created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of car insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the final result was an overall rating for each provider, with the insurance companies receiving the most points at the top of the list.

Most auto insurance companies (such as Geico and Progressive) do not sell temporary or short-term auto insurance for less than six months. Some websites may try to lure you in with the promise of a weekly or monthly car insurance plan at a low price.

But submitting your information online for a car insurance quote or making a phone call will likely route you to an auto insurance agent who will offer you a longer policy.

Cheap Temporary Car Insurance For New Drivers

If you hear about a company offering temporary car insurance that lasts one day, one week, or one month, it’s probably not legitimate and may even be a scam. A six-month policy is the shortest term available.

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Fortunately, signing up for standard car insurance is easy and can be used temporarily. For example, you can buy a six-month policy and cancel it after a couple of months if you sell your car or when you finish driving. Your car insurance provider will not charge you for the remaining months after you cancel, although you may have to pay a cancellation fee.

Additionally, if you only drive your vehicle occasionally, consider signing up for a pay-per-mile insurance plan. You can be rewarded with lower prices or just pay for what you drive.

Although temporary car insurance policies do not exist, there are several situations where you may find yourself in need of short-term coverage. These include:

If you only need car insurance for a short time, what can you do? Actually, it’s quite easy to get car insurance online and then cancel it when you no longer need it. Your options may include trying non-owner auto insurance, getting rental insurance, or trying usage-based coverage options.

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The simplest alternative to short-term car insurance is a standard policy that you only use temporarily. Most car insurance policies take effect after you make the first payment, meaning you don’t have to wait long for coverage to kick in.

While many car insurance policies don’t come with cancellation fees, check to see if the policy you’re considering does. Still, it might make more sense to take out car insurance for a month and pay a small cancellation fee or lose a security deposit than to figure out other transportation.

Non-owner car insurance can be a good alternative to temporary insurance if you often drive cars you don’t own. Maybe you travel around and use a car sharing service or regularly use a friend’s car. You can get non-owners insurance from major companies in six- or 12-month intervals.

Cheap Temporary Car Insurance For New Drivers

The beauty of a non-owner policy is that it is cheaper than standard car insurance. This is because it usually only includes liability coverage for injuries and property damage if you cause an accident. Non-owners insurance is useful if you:

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Most car insurance policies cover a primary driver along with anyone who may drive the car occasionally. This means you will be covered if you were driving someone else’s vehicle. However, if you plan to drive another person’s vehicle frequently, consider getting non-owner coverage or adding yourself to their policy if you live at the same address.

If you use a rental car and do not have your own insurance, you can get cover through the rental company. Rental car insurance won’t be the cheapest option available, but it will cover you while you’re using the car and help you avoid getting a full policy. If you choose additional insurance from the rental car company, you may not have to pay a deductible if you get into an accident.

Safe drivers can get discounts with usage-based programs like Progressive’s Snapshot® or State Farm’s Drive Safe & Save™. These programs, also known as telematics insurance, track driving habits such as acceleration, turns, braking and time of day. They also track mileage, which often makes up a large part of the overall score.

That means people who don’t drive can often save more on insurance costs with usage-based programs compared to people who commute every day.

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Kilometer-based car insurance is a subset of usage-based insurance. But with this option, the only thing that matters is your mileage. If you only drive occasionally, you can save a lot of money since you won’t put many miles on the odometer. A few examples of this coverage include:

With these programs, you often pay a low monthly base rate plus a rate per mile. Pay-per-mile programs also have daily mileage rates, so you can take a road trip without paying a huge amount of money.

Be aware that some pay-per-mile insurance programs may require you to drive the car or at least move it occasionally to keep the sensor active. This is the case with Metromile.

Cheap Temporary Car Insurance For New Drivers

If you’re a college student going to school, most companies will give you a discount on your family insurance plan if you leave your car at home and go to school more than 100 miles away.

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If you store your car while you are not using it, you may be able to get a comprehensive policy from your insurance provider. This covers events that could damage your vehicle while it is parked in one location, such as hail or vandalism. But it doesn’t cover accidents, so you can’t drive your car. Some companies may require you to keep your car for at least a month to get this cover.

If you keep your car long-term, you can remove the registration from the vehicle and then stop the insurance completely. Contact the DMV to remove your registration before canceling your policy or you will have a lapse in coverage.

When looking for temporary car insurance options like those listed above, there are a few things to keep in mind. These include the following:

However you decide to resolve your temporary insurance claim, be sure to avoid lapses in your auto insurance coverage. This happens when you have a vehicle registered in your name and do not have insurance. Auto insurance companies report directly to the DMVs in each state, so your state will know if you drop your insurance but still have a registered vehicle.

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Some providers charge cancellation fees of up to 10% of your car insurance premium, but this varies by company and state. If you are looking for temporary insurance, it may be worth paying a small fee to avoid spending on future premiums.

However, if you are looking for a new policy that you intend to cancel, you need to know what fees you will have to pay when you decide to cancel your contract.

Even if temporary insurance does not exist, there are still many other options to choose from. When deciding what kind of cover you want and need, you need to take into account how much cover you actually get for the price.

Cheap Temporary Car Insurance For New Drivers

Although you can’t get legitimate insurance that lasts less than six months, you can cancel your coverage when you don’t need it if you don’t own a car. You can also try options like non-owner car insurance or rental car insurance to get you through unique situations.

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If you decide


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