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HomeArticlesCommunityMy Profile WH.translationData = {};WH.mergeLang({'navlist_collapse': '- collapse','navlist_expand': '+ expand'});EditHome » Categories » Finance and Business » Managing Your Money » Insurance » Car InsuranceHow to Get Short Term Car InsuranceEdited by Catdog, Maluniu, Flickety, Krystle and 2 othersPin ItArticle EditDiscuss
There can be many reasons for getting short term car insurance over the usual longer contracts. You might have seasonal vehicles, such as a sand rail or jeep, you might be borrowing a car for a few days or weeks, or perhaps you're using a friend's or family member’s car to learn how to drive. Short-term, or temporary, car insurance may be purchased for a period of 1 day to 8 months. If you're in need of car insurance for only a short period, follow the steps below to get short-term insurance. Edit StepsDoes your existing insurance provide coverage?1Check with your current insurance company. If you currently have insurance on your home or other vehicles, check with your current provider to see if they offer short-term insurance coverage.Give them a call and explain what you intend to use the vehicle for short-term and ask for advice on their best deals.Be prepared to provide complete information about the vehicle you wish to insure, including the year, make, model, and vehicle identification number (“VIN”).Finding other suitable insurers1Gather the names and contact information of the insurance companies in your area. You can locate local providers in the yellow pages of your phone book or online using a local directory such as Yahoo Local or Yellow Pages. When searching:Provide your location so that the results will return only those companies that insure drivers in your area.Use keywords such as ‘car insurance’ or ‘short-term car insurance’.2Ensure that each company whose information you have collected is licensed to sell insurance in your state. To do this, check with your state’s Insurance Department. Find it online by clicking on the appropriate state on the map provided by the National Association of Insurance Commissioners.[1]Many states provide an online list or searchable database of licensed insurers.3Contact each licensed insurer and ask if they sell short-term insurance. For each who does, ask for a quote. Be ready to provide basic information about yourself and the vehicle. Some information that may be requested of you includes:The make, model, year and VIN of the vehicle you plan to insure.The driver’s name, address, and drivers license state of issue and number.Information about any recent accidents in which the driver has been involved or tickets he or she was issued.Comparing to find the best deal1Compare quotes. When comparing short-term insurance quotes, make sure that the coverage provided under each policy is the same. For example, bodily injury, personal property damage, and medical coverage amounts should be equal, the policies should be for the same number of days, and all should include the same extras such as rental insurance, roadside assistance, and towing.2Compare companies. Research each of the companies whose quotes you like. Look at things such as the amount of time it takes to process a claim, customer service provided when not filing a claim, what current and former customers have to say, and extra services, such as online claim filing and billing. Some places you can look for such detailed information include:Online reviews. Many local business indexes such as Yahoo Local, Yellow Pages, and Manta provide online reviews written by users who have experience with the company they are reviewing.The companies’ websites. Locate each company’s website for information about how long it has been in business, client testimonials, and the company’s mission statement.The Better Business Bureau (“BBB”). Check for complaints filed with the BBB using its online search tool.[2]Your state’s Insurance Commission or Department. Check for complaints filed with your state’s Insurance Commission. Find it online by clicking on the appropriate state on the map provided by the National Association of Insurance Commissioners.[3]Purchasing the policy1Choose an insurer and purchase a policy. Many insurers now allow customers to purchase a policy online and immediately print insurance identification cards. Whether you purchase online, over the telephone, or in person, be sure to have the following information:The make, model, year and VIN of the vehicle you plan to insure.The driver’s name, address, social security number, and drivers license state of issue and number.Information about any recent accidents in which the driver has been involved or tickets he or she was issued.Add method1. Add MethodxKnow another method for How to Get Short Term Car Insurance? Add it here...Edit Related wikiHowsHow to Know Which Insurance to Take on a Rental CarHow to Get Car Insurance for Just Part of the YearHow to Acquire an Auto LoanHow to Decide Whether to Lease or Buy a CarEdit Sources and Citations? http://naic.org/state_web_map.htm? http://www.bbb.org/us/Find-Business-Reviews/? http://naic.org/state_web_map.htmArticle Info Featured Article
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Historic vehicles require specialized insurance policies that not all insurers provide. If you have a historic or classic car and need to find insurance for it, follow the steps below to find a company that provides historic car insurance in the United States. Edit StepsChecking Your Existing Insurer1Check with your current insurer. Contact your current car insurance company and ask if they provide coverage for historic vehicles. Be prepared to give the car’s year, make, model, mileage, and Vehicle Identification Number (“VIN”).Finding Other Potential Insurers1Make a list of insurance providers in your area. There are a few different ways you can locate insurance companies.Check the phone book. The yellow pages are the best place to start building your list.Use the Yellow Pages website to run a search.[1] Use the keyword phrase “car insurance” and fill in your zip code or city and state to narrow the search to only insurance providers in your area.Search Yahoo Local[2] using the keyword phrase “car insurance”.Locate additional insurance providers using the internet. Use your favorite search engine to locate any additional insurance companies in your area who sell historic car insurance. To do this, search for keywords phrases such as “historic car insurance”, “classic car insurance”, “antique car insurance”, and “vintage car insurance”.2Contact each insurance provider on your list and ask if they insure historic cars. You should know the year of your car when calling, as the definition of ‘historic’ may change from insurer to insurer.Cross off any providers from your list that do not insure historic cars.Obtaining a Quote1Obtain a quote from each insurance provider on your list. Request a quote from each company via telephone, in person, or through its website. When requesting a quote you will need the following information:The vehicle’s year, make, model, mileage, and VIN. All of this information, except the mileage, should be listed on the car’s registration.Your full name, address, telephone number, social security number, and driver’s license number. Some companies may also ask how many points you currently have against your license. If you are unsure, make your best guess, as the company can locate this information later if you decide to insure your car with them.The current value of the vehicle. Some companies will eventually require that the vehicle be appraised by a licensed appraiser, but for now, you need to have just an idea of the value of the car.The number of miles you intend to drive the vehicle each year.Where the vehicle is stored; a private garage or barn, a driveway, a carport, or a public parking garage for example.2Revise your list. Once you have received quotes from each of the insurance providers on your list, cross off any companies whose rates are not within your budget.Comparing Providers1Compare companies. Compare the remaining companies in order to determine which is the best for you. Some things you may want to look at when comparing companies are [3]:Any differences in the coverage amounts. When comparing rates, you need to compare policies that cover the same things and have the same coverage amounts.The provider's history. Does the insurer provide quality customer service and pay claims in a timely manner? Take a look at each insurer’s track record by visiting J.D. Power's[4] and Insure.com[5] and doing some research.Complaints filed with consumer complaint agencies such as the National Association of Insurance Commissioners[6] or the Better Business Bureau[7].2Select an insurer. Choose one of the remaining insurers based on your comparison.Edit TipsMany of these steps apply to finding insurance for historic cars in other jurisdictions but you'll need to find out your own country's websites for for relevant insurers and track record checkers.Edit Sources and Citations? http://www.yellowpages.com/? http://local.yahoo.com/? http://www.insurance.com/auto-insurance/car-insurance-comparison-quotes/5-ways-to-compare-car-insurance-companies.aspx? http://www.jdpower.com/consumer-ratings/index.htm? http://www.insure.com/best-car-insurance-companies/? https://eapps.naic.org/cis/? http://www.bbb.org/Article Info \ABS\Auto Blog Samurai\data\Beta Game Testers Needed\wikihow\-crop-44-33-44px-Auto-Accident-Butler-Blvd.jpg)
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