In recent times, the cost of car insurance has been on the high side due to numerous factors, which has made most people seek temporary coverage. Regardless of whether you are getting one-week car insurance, the state requires drivers to have a minimum coverage for auto insurance. That being said, it is possible to get one-week auto insurance to cover yourself for the short period of time you will be driving your vehicle.
There are several insurance companies that offer one-week auto insurance. All you have to do is do your research, shop around, review eligibility criteria, compare quotes and coverage options, and voila, you get the coverage you want!
Can I Get One-Week Car Insurance?
Yes, most auto insurance companies offer one-week car insurance provided you meet the requirements, which is the most important. You can acquire the same level of coverage as that of a full auto insurance policy as long as you meet the criteria of the insurance company you are buying the policy from.
If you look around carefully, you may find ads for temporary auto insurance that offer one-week coverage. This is one of the easiest ways to get coverage for a week if you don’t want to go through the unconventional ways.
How Long Does It Take to Get One-Week Car Insurance?
The amount of time it takes before your coverage gets activated depends on the insurance company you are purchasing the policy from. But, usually, one-week auto insurance does not take a very long time before it gets activated. Once you select the type of coverage you want and pay your premiums, the coverage will be activated within 15–30 minutes.
What Type of Coverage Do I Get With On-Week Car Insurance?
Well, most one-week auto insurance offers the same type of coverage as full coverage, but it only covers you until the last day of the policy you paid for. A one-week auto insurance policy covers damage to your vehicle and property damage to other people in the event of an accident. It also covers damage done to your vehicle in the event of fire or theft.
For clarity sake, you can request information from your insurance provider on the level of coverage you have under a one-week insurance policy. Through this, you will have a better understanding of what your policy covers and what it does not.
Eligibility Criteria for One-Week Car Insurance
In order to be eligible to purchase one-week car insurance, individuals are expected to meet the following requirements:
- Must be between the age range of 18-75.
- Must have permission to drive the car.
- The car to be insured must be registered.
- You must also have a full driving license.
Please note that the eligibility requirements vary across different insurance companies. Therefore, it is advisable to check the criteria for the company you are getting the temporary car insurance from. This would help determine if you qualify for the insurance or not. You can also shop around to find insurance companies that offer one-week auto insurance that you qualify for.
How to Get One-Week Car Insurance
The process of getting one-week car insurance is almost similar to that of a standard auto insurance policy. You can get one-week car insurance through different means, one of which is purchasing the insurance from your rental car company. You can also purchase one-week auto insurance through permissive use. Other ways include:
- Buying a traditional auto insurance policy and canceling it early.
- Adding yourself to an existing policy.
- Purchasing non-owner auto insurance.
- Buying rental car insurance.
Do I Need to Have My Own Auto Insurance If I’m Borrowing Someone’s Vehicle?
If the owner of the vehicle you are using has a standard auto insurance policy, you are likely to enjoy the coverage under his/her policy. Hence, you don’t necessarily need to have or refer to your own auto insurance policy. Notwithstanding, you should also carry the minimum coverage for auto insurance in case the coverage under the owner’s policy is not sufficient if an accident occurs.
FAQs
Can I insure my car for a week?
Yes, it is entirely possible to get car insurance for a week, irrespective of whether you are using your car or someone’s car. However, you have to meet the eligibility requirements of the insurance company you are purchasing the policy from. That being said, ensure you review the criteria for one-week insurance from the insurer before filling out the application form.
Are there any restrictions with one-week car insurance?
Yes, just like the way a full auto insurance policy has its limits, the same thing applies to one-week car insurance. The restriction on one-week insurance largely depends on the insurance company you’ve purchased the policy from. You may be restricted in the number of claims you can file, and that the vehicle should not be used for commercial purposes. Make sure you review the policy details carefully before making payment.
Is weekly car insurance expensive?
Not precisely! Since you are purchasing auto insurance for a temporary period of time, the cost of the policy would not be as expensive as a full car insurance policy. Nevertheless, it is important to read the fine print on the insurance company and the policy so you can get a better idea of its cost and coverage options.
