Car Insurance Deals

One day car insurance is an inexpensive way to have the car insurance you need for a car that you don’t use very much. You may be able to walk for shopping and restaurants, or you may have a second car that hardly ever gets used. Another possibility that may arise is loaning your car to a friend or family member who isn’t covered on your regular insurance. Rather than take a risk that nothing will happen, one day car insurance will give peace of mind.

This type of insurance is not the best option if you drive several times a week, even if you only drive for short distances. There are other, less expensive policies for short term auto insurance. Insurance for one day is cost effective for people who only drive once or twice every two or three months.

The insurance will usually cover:

• Accident damage

• Recovery and repair of the car

• Theft, vandalism or fire damage

• Liability in the case someone is killed in the accident

• Liability in the case of damage to someone else’s property

The restrictions for one day car insurance will differ according to the company. High risk drivers, young and old, will find it difficult to get insured. Drivers that have many driving citations or DUI/DWIs on their driving record will most probably not be eligible for one day or short term insurance. Since the rules vary between insurance companies, it is always wise to ask your insurance agent.

Drivers who should not have any difficulty getting insured are:

• Between the ages of 21 and 75

• Six penalty points or less on their license in the past three years

• No license suspension in the last five years

• One at-fault insurance claim or less in the last three years

• Car manufactured after 1994

If you have other car insurance, home insurance or other insurance it is best to call your insurance company and ask about car insurance. They may not offer it but if they do, it is your best chance to get a low price. Make sure you have your driving record, vehicle information and any other information that may be required before you start contacting insurance companies. It is now possible to get quotes online from the top companies. Make inquiries to several companies you like to compare quotes and coverage. It is not a good idea to accept the first quote you get. Local insurance companies may also give you a low rate. If you are planning ahead, you will have the time to shop around and get the best price for the best coverage.

When you have chosen the policy you want, you will need to pay for it before it becomes active. You may be able to pay with a credit or debit card online. This will get the fastest coverage. Otherwise, you will need to send a check or money order which will take longer. When the company has received the payment, they will send you a proof of insurance card or document. Don’t drive without this.

To get the best quote possible, it is wise not to wait until the last minute to find a good one day policy. There are companies that will give coverage in short notice, possibly in a few hours, but this will be more expensive. Most policies take between one and 28 days to process, so planning in advance is the safest and cheapest option.

One day car insurance is a useful and inexpensive tool for people who

• Rarely drive

• Want to loan their car or borrow a truck

• Insure another driver for a long journey

• Race for a day

• Attend a driving test

If you are in one of these situations, you do not need to buy long term insurance and have monthly payments. There are websites that give quotes for several insurance companies, so it becomes easy to compare prices and coverage. You will only need to fill in one form, and it is fast and free. There are also usually experts online who will answer your questions.