One-Day Car Insurance — A Common Myth

You may not drive regularly or have your own car, but there may come a time when you need to get behind the wheel. Say you’re borrowing a friend’s or a family member’s car or you’re renting a vehicle for a road trip. You may wonder whether you can buy temporary coverage for a single day.
Insurers don’t usually offer insurance options for such a short period of time, but there are ways to make sure you’re covered and stay safe on the road. Drivers who compare car insurance quotes online often find the best rates and save the stress of searching all over the internet.

What is one-day auto insurance?

One-day car insurance is a bit of a misleading name. Reputable insurance companies don’t provide one-day insurance policies. In most cases, you’re getting auto insurance that covers your car for 6 or 12 months. Some companies say they have one-day car insurance but are really just scams to collect and resell your personal details.

However, it’s still possible to insure a car for a single day, as long as you choose the right coverage options. Here’s how.

When do you need a short-term policy?

There are several situations where you might need temporary auto insurance that covers a car for a single day. These are some of the most common ones.

Borrowing a Car

If you’re driving a friend’s car for a day, call the owner’s provider and ask if they can have their insurance cover you for that day. Most insurance policies are written for the car, not the driver, so you will probably be able to get coverage.

If you regularly drive cars that aren’t yours, non-owner car insurance is another good option. The liability coverage will follow you instead of the car, so you’ll always be covered. However, a non-owner policy is usually only considered secondary coverage. It kicks in if the car owner’s policy doesn’t have high enough coverage limits to cover damages.

Insuring a Rental Car

Call the rental car company and ask whether the vehicle’s car insurance covers you. If not, you can usually buy a temporary rental car insurance policy through the rental company.

Getting a Car out of Storage

If you’re hitting the road in a classic car, don’t worry. You don’t need extended coverage for vehicles you only drive on rare occasions. Consider classic car insurance that covers the vehicle’s full value.

Other vehicles you’ve kept in storage, such as cars you’ve been building, can be covered by temporary auto policies, too. It’s easier to do this if the car already has existing comprehensive coverage for things like vandalism and theft. Policyholders can simply call their current provider and ask for more coverage for the day they’re driving.

Driving on Rare Occasions

A usage-based insurance policy may be best if you don’t drive very often. Auto insurance companies that offer this option charge you only for the days you drive the car. If you’re an infrequent driver, you can save a lot of money on your policy. You may have to install a mileage tracker in your car to qualify for this type of discount.

Test-Driving a Car

If you decide to take a car for a spin before buying it, you should be covered. Dealerships have to have full coverage for their whole inventory, so if you’re in an accident during a test-drive, their insurance providers will cover the claims.

How to Sign Up for a One-Day Car Insurance Policy

Start by understanding your circumstances. Insuring a rental car is different from getting non-owner coverage so that you can drive your friend’s car.

Next, gather the documentation you’ll need to insure the car. This will include:

• Your driver’s license

• Your Social Security number

• Bank or credit card information

• Information on the vehicle you’ll be driving

How to Get Affordable Short-Term Insurance Rates

Most car insurance policies last for six months or one year. If you need a shorter term, the best option might be a six-month policy. But to start, you probably want to find the best coverage for your situation. Finding cheap insurance premiums from great insurers starts with comparing auto insurance quotes.

See Also: Can You Get 6-Month Car Insurance Coverage?