Temporary Car Insurance For New Drivers – How Great is It?
Drivers below the age of 21 who have just received their driving license may search for short term or temporary car insurance for their short trips. There are plenty of options available in the market but the only problem with these short term insurances is that they are pretty expensive. These daily or monthly car insurance premiums are quite expensive when compared with the traditional annual premiums.
When you buy a car, you will be immediately provided temporary car insurance along with your car at your doorstep. You can always extend or convert this insurance into a regular insurance policy. One of the major problems you may face with this type of insurance policy is that it may not cover any particular protection that you intend to. Like, if you want to include the below 21 drivers in your family to your temporary car insurance, but the plan or the scheme may not allow you do so.
Temporary car insurance for below 21 years of age
The temporary or the short term insurances are very good options when you do not own a car or you are on a ride on a rented car. If you buy a car from a commercial car rental company, you may need to buy one day car insurance that covers liabilities and damage claims if you face an accident. When you are borrowing a car from your friend or relative, you can request them to contact their insurance company and if possible add you as a temporary driver in their insurance. Or you can always go for non-owners temporary car insurance.
With the rising prices of insurance prices, many people are switching over to short insurance policies because they think there is no point of paying year long premiums for the car that is used only once or twice a year. With the temporary vehicle insurance, you just need to pay for 1 to 28 days. This type of policy is very suitable for drivers who are under the age of 21 and who want to go out on a drive for a short period of time.
How can new drivers grab cheap insurance?
If you are a new driver and you are about to get an insurance, you just need to present yourself different from the rest of the newcomers. Some of the ways by which you can do that as follows:
– You should always avoid expensive and flashy cars that often reflect showoffs and rash driving. They also mean high damage repairs during the processing of the claim.
– If you are renting a car, then choose one with lots of safety accessories. This reduces the risk of personal injuries if you face an accident.
– Once you get the temporary car insurance, try to maintain a good driving record so as not to get penalized by heavy premium rates in future.