Short Term Car Insurance Coverage in Arizona?

Reader’s Question:

What are included in a short term car insurance coverage? Are they similar to an annual car insurance cover? How else will the two differ?

Diether

Phoenix AZ

Aside from the obvious difference that short term car insurance has a duration from a few days to a few weeks and the regular car insurance is typically one year, the two types of car insurances differ in some ways too. Unlike the regular car insurance, a short term car insurance may not be available in many U.S. States and is not common in many locations.

The reason why people purchase temporary car insurance is to have a short term car insurance cover in effect while they are renting a car to drive to various locations for a vacation or borrowing a friends’ vehicle for a short duration of time. Furthermore, people buy a short term car insurance in anticipation of the hurricane season to protect the car in storage.

A short term car insurance cover is basically the same as those cover that a regular car insurance policy offers. Just like the regular car insurance policy, a short term car insurance policy will also basically have liabilities coverage to pay up for any bodily injuries and property damages you caused to other people and their cars in case of a road accident with the car you’ve borrowed or rented.

Also, just like a regular car insurance policy, you can also opt to include coverage for collision damages in your short term car insurance to pay up for the repairs done to the borrowed or rented car during a collision incident.

Additionally, for your own good but although not offered in many states, you can also add a short term car insurance cover in your policy that will pay or reimburse for the medical bills you and your passengers incurred during a road accident.

Probably the difference between a short term insurance policy and a regular policy lies only on the duration of the policy and not on the amount of coverage that each policy can provide.

Ask you car insurance agent if they offer short term car insurance since a period of six is usually the shortest period you can get car insurance.

I Need a Cheap Used Vehicle Insurance Quote In Arizona

Reader’s Question:

Next month I am planning to purchase a used car, but before I do so I would like to know if I would need to purchase car insurance first for that car in Glendale, Arizona.

James

Glendale, AZ

You would probably need to obtain car insurance before taking over the ownership of the used car in many states if this is your first car. If you have car insurance already and you are just replacing a car on your current car insurance policy in Arizona the insurance coverage might insure your used car that you are planning to purchase for a few days. To be sure you will have to verify with your state laws and insurance carrier.

Keep in mind that Before you purchase a new or used vehicle you will need to contact your car insurance carrier to inform them about the vehicle you might buy. The insurance company should be able to give you a car insurance quote of what it will cost you to add the used car to your car insurance policy, which can assist you budget for your vehicle purchase. Your insurance provider can then let you know when you should give them a call and add the used vehicle you purchased so it will be properly covered.