Short term car insurance is necessary for those using a vehicle on a temporary basis. Also called temporary car insurance, this type of policy differs from a normal long term insurance policy, which car owners are required to have. Since insurance policies follow the vehicle, you’ll need to obtain short term car insurance coverage on any car you do not own but for which you have temporary use. Let’s take a look at what it is, when you would need it, and where you can buy it.

What It Is

Short term car insurance is used to insure you while you have temporary access to a vehicle. All the normal car insurance coverages are usually available for purchase including liability, collision coverage, comprehensive coverage, uninsured motorist coverage and medical payments. Like a normal long term car insurance policy, you’ll be able to choose your deductibles, too. You will usually be charged a flat rate by your insurance carrier on a monthly basis or in advance.

When You Would Need It

The most common reason people buy short term car insurance is because they are renting a car. Of course, many people rent cars for short periods of time, while on business trips or on vacation. But some drivers need a car for a couple of weeks or even a few months for things like long road trips or renting a car in another city where they will be transferred for their job but have not yet permanently moved. It is also common for foreign travelers to rent or borrow a car for an extended period of time while traveling in the US.

Where To Buy It

Some people like to buy short term car insurance over the Internet. That’s a good place to begin your research, but it can take a long time to find the best deal if you have to enter your information into several different websites just to get some comparative quotes. Another option is to contact a local independent insurance agent who has access to dozens of the top car insurance companies. That way, they can take your information just one time and get car insurance quotes from all of their carriers at once. This will save you a lot of time, and you’ll be able to quickly compare pricing and coverage to make sure you’re getting the best deal.


The next time you rent a car, whether for a short vacation or an extended period of time, you’ll need to purchase short term car insurance to make sure you are covered in the event of an accident. Give us a call today at 888-800-4824 to learn more about short term car insurance.