If you are in the market for temporary car insurance, then there are a few things you can do to improve your chances to get such insurance and to improve the cost of the insurance as well. Remember, short term car insurance companies will look at you much like they would any regular, long-term insurance customer, and as such you need to make sure that you will qualify–especially since you probably need the temporary auto insurance in the very near future.
In order to get the cheapest temporary car insurance, you will need to do the following:
1. Provide proof that you have a full, legal drivers license for the country in which you live. Without a legal drivers license you simply won’t get short term car insurance cover, period (and for obvious reasons).
2. Have a good, clean driving record. Much like regular auto insurance, you will not get cheap temporary car insurance if you have several points on your record. While the rate might not be too bad, it certainly won’t be as good as it could have been if you had a clean record.
3. Be between the ages of 21 and 75 (and really over 25 if you want the best rates). You generally can not get such insurance if you are not between these ages, and being above 25 will help you, just as it helps you with long-term insurance.
4. By obtaining only the minimum required temporary insurance car coverage. Of course, be very very careful with this one. Such insurance doesn’t cost that much to begin with due to the fact that you will only be using it for a very short time period–it is not worth saving a few bucks to leave yourself exposed by not having sufficient cover.
5. Finally, shop online for the best quote. While your current car insurance company may provide short term insurance as well, you don’t lose anything by getting a competing quote or two. However, you can gain quite a bit in terms of negotiation power in case you would like to get the policy from your current provider.
Obviously, none of these tips are rocket science. If you want to get a cheap temporary car insurance policy then you simply need to be a small risk to the company. As such, they can lower your risk premiums and extend coverage to you with confidence.