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Knowing how to insure a car for one day might be a clever way to protect yourself and your property. Driving without insurance is risky and can put the lives of other motorists in danger. If your extended coverage auto policy expires suddenly or you are driving someone else’s car and you need coverage, getting temporary insurance might be the ideal option to protect yourself. But you have to be wary of scams when searching for short-term auto policies. We discuss how to insure your car for a day in this article.

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What Is One-Day Car Insurance?

Insurance companies do not provide one-day insurance policies; most offer temporary car insurance that covers your vehicle for a minimum term of six months. However, you can get your car insured for one day. The problem is that most insurance providers don’t sell their policies as one-day insurance. According to

, some companies pretend to be offering one-day car insurance just to harvest your personal details. So, you have to be vigilant to avoid falling victim to scams.

Is There Anything Like a One-Day Car Insurance?

According to Motor1, you can insure a car for one day, but you will hardly find insurance companies writing one-day car insurance policies. What you will get is temporary auto insurance, which can be useful in a variety of scenarios.

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When Do You Need a One-Day Car Insurance?

There are several situations when you may need a one-day car insurance, including:

1. When you are driving a borrowed car

If you will be driving someone else’s car for a day and you are not listed as a driver on their auto insurance policy, you may qualify for one one-day auto insurance. You just need to call the car owner’s insurer and ask if they can include you on their policy for that day. Most providers will cover you since the insurance policy is for the car, not the driver.

2. You want to insure a rental car

Another scenario when you may need one-day car insurance is when you want to insure a rental car. Contact the rental car company to confirm whether the insurance policy for the vehicle you are driving covers you. If you won’t have coverage under the rental car’s insurance policy, you can buy a temporary policy for the day you are driving the vehicle through the rental car company.

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3. You want to insure a classic car

People rarely use their classic cars as daily drivers, so they don’t need to buy an extended coverage insurance policy for these garage queens. To protect yourself and the classic car on the rare occasions when you drive it, Motor1 says you can buy classic car insurance which typically covers the full value of the vehicle.

4. You need usage-based insurance

A usage-based insurance policy may be ideal for you if you only drive your car once in a while. For this policy, the insurer will only charge you for the days you drive the car, which makes it an affordable insurance policy. Insurance providers typically base their calculation for this policy on how safely and frequently you drive the vehicle.

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5. You want to self-insure

Some people prefer to drive their car without insurance, preferring to insure their cars using personal funds rather than buying an insurance policy. Only a few states permit this practice, which is called self-insurance, but you can take that route if your state allows it. That means you will bear the costs of any accidents involving your car and another vehicle out of pocket.

6. You want to drive a car that was stored previously

You can also consider a one-day car insurance policy if you want to drive a car that used to be in storage, such as a sports car or kit car you just finished building. Getting a temporary auto policy allows you to reduce insurance costs on the car while ensuring you have coverage when it is on the road. It is easier to do this if you already have an insurance policy, such as one to protect the vehicle against fire or theft. When it is time to hit the road, contact your insurer to add full coverage to the vehicle for the day you intend to drive it.

7. You are test-driving a car

A one-day policy is also ideal for when you are test-driving a car at a dealership,. Thankfully, dealerships are required by law to have full coverage for their vehicle inventory. So, they will cover any insurance claims if you run into any trouble during a test drive.

What Should You Do If You’re Renting a Car But Don’t Have Car Insurance?

If you want to rent a car when you have no auto insurance, Insurify recommends getting a collision damage waiver. A collision damage waiver frees you from any liability if you suffer an accident or theft while the rental car was in your possession. The cost of a collision waiver depends on the rental car company and the type of car you rent, but it is typical to pay $20-$30 a day. Sometimes, your credit card company may provide collision damage waiver coverage, so check your credit card agreement before buying this product.

What Is a Practice on Car Insurance that Is not Recommended?

Drivers try different tactics when shopping for a one-day insurance policy. Motor1 reports that one method drivers use is to buy a cheap, six-month auto policy that requires neither upfront payment nor provides a cancellation policy. When the drivers don’t need coverage anymore, they cancel the policy.

While this practice allows you to save on an insurance policy in the short-term, it results in a coverage lapse that can make buying auto insurance difficult in the long term. Insurance companies may consider you high-risk if they find coverage lapses on your record. They may also charge you higher premiums to protect themselves. You are better off buying a full coverage auto insurance policy from a reputable provider to lock in the best deals and enjoy maximum protection while driving.

Check this out if you need additional information, resources, or guidance on car insurance.

Sources

https://www.motor1.com/reviews/409454/one-day-car-insurance/

https://insurify.com/blog/car-insurance/one-day-car-insurance/

https://www.caranddriver.com/news/a35957008/hyundai-usage-based-insurance/

https://www.caranddriver.com/car-insurance/a31962156/can-you-drive-a-car-without-insurance/