What Is Temp Car Insurance?

Reader’s Question:

My friend kept pushing me to buy temp car insurance and after sometime I gave in. I purchased one without really knowing how it will help me, can you enlighten me more about this type of insurance?

Sarah

Philadelphia PA

 

Hi Sarah, I am guessing that your friend is working in a car insurance company that is why she keeps on pushing you to buy one.  Anyway, to answer your question, temp car insurance differs with long term auto insurance only by the length of its coverage.  For this type of insurance you will only insured for a certain period of time, which usually lasts for 2-28 days and afterwards it is up to you if you would want to renew it.  However, keep in mind that this kind is not a substitute for long term insurance. If you are the type of person who does not use car everyday or only use for emergency or a specific month, then it was a good decision on your part to purchase one.

To give you an idea here are some situations wherein you will need Temp car insurance. First is if you want to borrow your friend’s car.  Another one is if you just brought a brand new car and needs to bring it home safely and you are still thinking of the best policy for it.  It will also benefit you if there are any emergency.  If you are test driving your car, then temp car insurance will be useful on your part.

Those are just some of the basic things you need to know about temp car insurance.  After reading this and you think you made a mistake of buying one, then do not worry, that is another advantage you can get from it.  By the way, just a friendly advice, next time try to read or research about it or anything you will purchase in the future, that way you will not have any regrets in the end and you won’t be wasting your hard earned money.

 

 

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