Some car insurance offers either six or twelve-month increments. However, one-week car insurance can be accessible for up to six months. Although this kind of coverage is not available in most states which might be very expensive.
One-week auto insurance is a recent option in the USA as it’s made for drivers who require short-term coverage. Additionally, it might be an ideal choice if you have out-of-town guests, need to borrow or rent a car for a week-long vacation or have a college student coming home for spring break. Furthermore, it’s essential to ensure that you have adequate coverage if you intend to get one week of auto insurance.
How to Get One-Week Car Insurance
You can get coverage from your rental car company or a policy and cancel it on time to obtain one-week car insurance. In addition, if you drive under permissive use, you might occasionally be qualified for auto coverage. Here are some ways you can one-week auto insurance;
Obtain non-owner coverage
Non-owner coverage is made for individuals who are licensed drivers but do not own cars. Additionally, non-owner auto insurance offers coverage to people who drive occasionally either by borrowing or renting cars. It is cheaper than traditional auto insurance but the primary focus is liability insurance.
This implies that it pays expenses if you are responsible for property damage or bodily injury in an accident. However, typical auto insurance increases its coverage to add collision and comprehensive coverage with a duration of six- or 12 months.
Get an existing car insurance
You can get your roommate’s car insurance for one week if you intend to use his car for a short period. It also ensures that the car is only utilized for personal activities. However, it will be more difficult and would need business car insurance to pay for additional drivers that do not live with the car owner if you use the vehicle for business purposes.
Drive with the policyholder’s permissive use
Permissive use is a unique provision that allows a person who’s not named on your policy to drive your car and still be secured by your coverage. In addition, you can consider this situation as a benefit for unlisted drivers. Permissive use includes getting permission from the car owner, restricting usage to occasional driving, and getting covered in case of accidents.
Get rental car insurance
If you decide on renting a vehicle for a week, many rental providers provide one-week car insurance as an additional option. In addition, it is typically more expensive than policies from independent providers but also a convenient choice. The time frame of this rental auto coverage for one week usually aligns with your rental duration. Also, ensure the policy you chose meets your requirements and is affordable whether it’s basic or extended.
Obtain a traditional policy and cancel early
You can decide to be reimbursed every month and obtain the shortest term which lasts for six months. Immediately after you have finished driving or after a month, reach out to your insurer to cancel your policy. Since you have only paid for a month, you don’t have to wait for a refund. Furthermore, it’s essential to avoid insurance providers that do not impose a cancellation fee.
How Much Does One-Week Car Insurance Cost
The cost of one week of car insurance differs depending on your provider. The average cost of coverage depending on its model and distance driven ranges from $10 to $25 per day. Some providers offer short-term coverage which increases to a few weeks or months. Other providers might offer payment alternatives for days or hours which results in changes in the cost depending on the policy you choose.
Furthermore, most conventional insurance providers only provide six-month or one-year policies. You can get the policy and gain the benefits of the non-cancellation fee to accept the benefits of a week’s policy to gain the same benefits as one-week car insurance.
Do I Need Car Insurance Just For One Week
Recently, there are only three states that do not mandate drivers to get car insurance. New Jersey does not have a requirement if you do not demonstrate that you have the minimum amount of money. Also, drivers in South Carolina and Virginia can decide not to adhere to requirements if they pay an annual uninsured motorist fee.
These fees are currently $500 and $600 for both states. In addition, drivers must have auto insurance in the remaining 47 states, even if it’s just for one week. You might expose yourself to several penalties if you do not have auto insurance, depending on your state. This could be:
- Fines.
- License suspension.
- Car impoundment.
- Car registration suspension.
- Prison.
Can I Get a One-Week Car Insurance
Yes, most providers offer one week of car insurance which is also suitable for borrowing someone else or sharing while travelling making sure you get on the road as you need. However, getting the requirements to get this coverage is also important. Also, you might discover advertisements for car insurance within a day, a week, or a month.
Even if you plan to use your insurance temporarily, be sure to do some research before obtaining it. Furthermore, it’s likely possible that you might experience shaky coverage and bad customer support. However, there are unusual ways to get one-week car insurance.