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1 Day Car Insurance: It’s More Popular Than You’d Think

Article by Ruth Roberts

When you are thinking about your insurance needs, I don’t imagine that 1 day car insurance is the first thing that pops into your mind. Most of us have never even heard of it, but this insurance option might be just the coverage you are looking for. Since you are here online trying to find out what you can about this type of temporary insurance, then I am going to do my best to help you decide if this is something that will work for whatever situation you have ahead of you.The most common reasons people get 1 day car insurance are: borrowing or lending a car to a friend or family member, renting a truck for moving, heading out on a road trip with a some friends that will require several of you to drive, renting a car, test driving cars you may want to buy, selling your car to strangers that will want to test drive it, taking your RV out on the road for a vacation, delivering a car to someone in another state, taking your classic car to a show or to be in a parade, driving a loaner when your car is in the shop or when you have just bought a new car and you are undecided about which annual policy will be best for you. The list goes on but for general purposes I will try to educate you on the basic reasons to go this route and the easiest way to do it.Since you are looking into 1 day car insurance, then by all means get comprehensive coverage. This way you will be protected from the expenses that come with an accident. I’m talking about property damage and the doctor bills that are incurred when having a run in the uninsured or under-insured drivers. No one plans on having an accident, but they can happen to anybody, anywhere at any time, and it is just plan foolishness to think just because you are only going to be driving a short ways or for a short time that an accident won’t happen to you. Surprise! That’s why they call them accidents. In a perfect world every driver would be insured and we would all be in a safer situation when we are on the road, but the plain truth of the matter is that a lot of people just try to get through life making only the minimum of effort to do their part. The best you can do is to make sure you aren’t one of the slackers and cover yourself and vehicle should you have an accident. You are already online so let’s start here. There are many online agencies and insurance companies who are in competition for your business, do shopping for the best rate will be quite simple. Quotes are free and you can get them almost instantly, by just filling out the online applications with the correct information. If you feel more comfortable actually talking to someone one the phone, start by calling your regular agent and one or two popular independent agents in your area. The good thing about working with your own agent is if you are a customer in good standing they are much more likely to give you a reduced rate and even just let you pay for it when you make your usually insurance payment. But, before you call and ask, be armed with the rates that other companies have quoted you. Becoming an informed shopper always saves you money in the long run.The advantage to shopping online is that once you have gotten and compared quotes of as many companies are you want you can pay for it right away and your coverage will begin instantly. Paying for your insurance online started back in 2005, it’s just more recently that you can buy 1 day car insurance this way. This type of insurance has evolved quickly to where it now covers accident, fire, vandalism and theft, just like a full blown insurance policy.This is probably a good time to let you know that there are some deciding factors that may keep you from qualifying for a 1 day car insurance policy. There is an age requirement. Most insurance companies have an age cut off at 25 years old, but you can find a few companies that will insure the 21 year old driver, but the rates will be higher, just as they are with regular insurance. So, you are old enough to satisfy the age requirements, but there are other things that the companies are going to take into consideration. If you have a bad credit rating you are going to pay higher rates. If your driving record leaves much to be desired or you have had more than one or two accidents or moving violations, there will be no super deals for you. One other deal breaker could be the age of the car or truck you are trying to insure. You will really have to look for someone to insure a 20 year old vehicle. If any of the above situations apply to you, it won’t be quite as easy to find what you need but coverage for you is out there. You are going to have to apply to more companies than a driver in good standing, but you will find a few companies that will sell you 1 day car insurance. Don’t buy the first