In most cases, an owner of a car buys insurance policies that range from six months to one year. However, in many cases, car owners look for short-term car insurance or temporary car insurance. Such type of insurance can be monthly car insurance or daily car insurance. When a driver needs coverage for a limited time, they purchase insurances that are either for thirty days or even less, in some cases.
In this article, you will mainly learn about the best temporary car insurance providers in 2023. However, before that, we will also give you a better idea of what temporary car insurance is in the first place. This is very similar to traditional car insurance, and the price of insurance depends upon the options that you choose for the car. Hence, to get more information about temporary auto insurance options, read on through to the end of the article.
What Does Temporary Car Insurance Mean?
The first thing that you need to note is that most insurance companies do not like to issue temporary insurance to a car owner. You will have to mostly choose an insurance policy for six months to one year. Despite insurance companies advertising short-term insurance policies, they also frequently fall short when it comes to coverage and customer services.
According to TheZebra.com,
“If you want a car insurance policy for less than six months, you would need to cancel your standard auto insurance policy mid-term. This is not recommended, as it comes with its own consequences, including an early termination fee in some cases.”
There can be a variety of reasons why you might require temporary car insurance. We are not covering the reasons for choosing short-term insurance here.
Furthermore, according to Forbes,
“Just as with traditional auto insurance, the price of short-term coverage varies depending on the options you choose and the type of policy you buy, according to Friedlander. You can pick liability-only coverage, he says, or select broader coverage that includes collision and comprehensive insurance.”
However, before you make a decision to purchase temporary car insurance, we highly recommend you talk with your insurance agent, whom you know best. Make sure with your agent that your regular car insurance policy does not cover the situation that the temporary car insurance will cover.
The Top Temporary Car Insurance Providers In 2023
So, once you have decided to purchase temporary car insurance for yourself, there are a variety of options you can choose from. Make sure to stay away from cheap temporary car insurance companies. For the purpose of this article, we have reviewed multiple car insurance policies that are available in the United States and finally stopped on the top six choices. We have chosen the insurance companies on the basis of their coverage capability, insurance cost, features, and customer services.
The following are the best temporary car insurance companies in the United States that you should look for in 2023:
1. Nationwide Insurance
Nationwide is the best thing about this company is that they do not charge any cancellation fees for any temporary car insurance they provide. Furthermore, they have exceptional capability for coverage. You can also get an idea of the rates by using the estimator tool available on their website. In addition to that, you will also get a quick reply after you apply for a quote.
2. Hagerty Insurance
The values and coverage associated with this company are fully guaranteed. Their focus is mostly on classic cars and collector cars, and they have enough experience in the industry. Hagerty is owned by enthusiasts of classic cars. The coverage options are also quite flexible. However, they do not provide multi-policy discounts, and they also do not want to insure high-risk drivers.
3. Geico Insurance
As per the claims on their website, Geico offers you to save up to 25% on multi-car discounts. This also has high coverage capability and works throughout the United States. According to TheBalanceMoney.com,
“It also offers temporary car insurance in the form of non-owners coverage. So, if you’re using a work car, borrowing a friend’s car, or driving any vehicle that doesn’t belong to you, GEICO offers temporary coverage.”
4. Progressive Insurance
For the insurance coverage, you would definitely want to file a claim. Progressive actually makes it easy for you to do that with the help of their Photo Estimate Tool. You can just take a photo of the car damage and upload the photo to the insurance claim expert. You will also get discounts on a variety of aspects. They also offer you to track your insurance claim progress online through their website.
They have the most flexible temporary car insurance option. Dayinsure options range from one hour to one month. If you have a car registered in the EU or the UK, they will provide amazing coverage. TheBalanceMoney.com recommends,
“Dayinsure is the best choice for international coverage if you’re going to be in Europe and need insurance on a rental car, an RV, or a friend’s car.”
6. Allstate Insurance
You pay as far as you drive with Allstate insurance. This makes the offerings of the company extremely flexible and friendly to the customer. This is available through the “Milewise” program offered by the company. They also have coverage throughout the nation and have their operations in Canada as well.
Hope this article was helpful for you in getting a better idea of the top temporary car insurance companies in the United States in 2023. All of these aforementioned companies are reputed and have been in insurance and finance for quite a long time. Apart from that, you will also get many discounts, coverage options, and top-grade customer services with these finance companies. Hence, if you are trying to avail yourself of temporary car insurance, consider going through the details provided by these companies on their official websites. Do you know of any other good insurance company that provides short-term insurance? Share some names with us in the comments section below.