While everyone is aware of the need for insurance on their primary vehicles, most people are unaware that insurance will not necessarily cover other cars that they may drive on a limited basis for example, a car borrowed from a friend or family member for a couple of weeks, or a rental for a weekend. Alternatively, visitors from out of town may be borrowing your car while staying with you. Perhaps you own a car that is only driven a few times out of the year, and do not want to pay for insurance on it when it is not in use. For those situations, among others, insurance companies have developed short term insurance. These policies will cover those situations where buying a full time policy would be unnecessary, but provide the driver with the coverage he needs in case of an accident. In addition, with a little bit of research, finding cheap short term car insurance to cover any situation is easier than ever.

The first place to check for short term auto insurance is with your primary insurer. In many cases, your agent may be able to provide you with a policy that will satisfy your needs quickly and easily. If not, he may be able to recommend several companies that specialize in short term insurance. Today, it is very easy to find short term policies online. By using sites like www.tempcover.com, it is possible to get quotes for cheap short term car insurance from a number of companies, allowing you to compare policies before making a choice. If you are renting a car from one of the big car rental companies, be aware that they will also have short term policies available, but they may not be at the cheapest price. Another thing to remember is that short term policies, like standard year-long policies, come in a variety of coverage, from liability only to full coverage. Be sure to choose the one that is right for your situation.

Once you have decided on a short term policy, you will need a few things for the purchase. The name of the person to be insured and his driver’s license number will be necessary, as will the name and address of the car owner. If you are buying a policy for more than a couple of months, it may be possible to set up payments, but if the policy is for a very short term, “a matter of days or weeks” payment will have to be made up front. With all the choices available, whether you buy it from your regular insurance agent, from a company specializing in such policies, or online, it is easier than ever to find the cheap short term car insurance that is right for you.