Temporary Car Insurance: Do You Need It?

car insurance policy

In the U.S., there are only two states where you’re not legally required to carry auto insurance: New Hampshire and Virginia. This, however, doesn’t mean you shouldn’t buy a policy if you live there. Additionally, this means that if you do not have auto insurance in Illinois, you’re not only risking financial trouble but you may also face legal consequences.

Typically, a car insurance policy lasts for six months to a year. There may be some circumstances, though, when you’re driving a vehicle that isn’t yours. You may be using a rented car for a business trip or borrowing someone else’s for a short period. Does this mean you’d need another full-term car insurance in Aurora, IL? As a matter of fact, you don’t. Instead, you may apply for short-term auto insurance.

When Do You Need Temporary Car Insurance?

Car insurance protects you financially in the event of an accident that results in property damage, a totaled vehicle, or injuries. If you do not have a policy, you could get in financial and legal trouble if you’re involved in an accident, even if you aren’t at fault.

This is why an insurance policy is important, even for the briefest time that you’d be driving someone else’s vehicle. Among these circumstances are:

Basically, every time you’re using someone else’s car for more than a day and you’ll be driving around in said car, you need temporary car insurance.

Things to Consider When Looking for Temporary Car Insurance

Different car insurance policies provide different coverage, so before buying a short-term one, contact your insurance company. In some instances, you may actually already have coverage for driving someone else’s car. If you don’t, they’ll likely give you suggestions on what type of insurance you need.

When shopping for short-term auto insurance, be prepared that insurance companies may consider you a high-risk driver. Insurance companies will consider that you might be driving in places that are unfamiliar to you, which could make you prone to accidents.

Another thing to keep in mind is that your primary insurance provider isn’t likely to offer short-term coverage. It can also be difficult to find temporary insurance with attractive rates that will give you the coverage you need. Because of this, you may need to look for a temporary auto insurance policy beyond the usual providers.

Most importantly, you must remember the importance of being covered by insurance. Accidents can happen anytime, so being insured, whether it’s short- or long-term, is a smart move.

Get the Best Auto Insurance Policy

If you need motorcycle, SR-22, or auto insurance in Illinois, let Oxford Auto Insurance protect you and your vehicle. With the option to choose from different payment plans and multiple companies, we provide our clients with some of the most comprehensive and low-cost insurance policies in the state of Illinois.

Visit Oxford Auto Insurance today to learn more.