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Step By Step Guide To Temporary Car Insurance

Updated on April 3, 2010
temporary car insurance
temporary car insurance

Here is a step-by-step guide on how you too can enjoy the benefits of having car security without having to break the bank

If you own a car, then getting insurance is a must. Most states prohibit driving without one. However, if you are on a financial budget, issuing your last check to pay for your vehicle’s security could be the last thing on your mind right now. If you need an affordable security plan that can fit within your small budget, temporary car insurance the best option for you. Here is a step-by-step guide on how you too can enjoy the benefits of having car security without having to break the bank.

  1. Be Informed

Getting all the right information together is the first step in order to get a temporary car insurance. Information like the car model, year and complete name of the owner are just a few of the important information insurance companies will require in order to come up with a policy for you.

  1. Shop Around

Feel free to shop around. You can go to land-based companies or request quotations online. Go to as many companies in order to find the best deals. Online searching is the fastest method to get your quotations. With one click of a button, you can receive several quotes in a matter of minutes. You may also want to contact agents who can help handle your account.  Keep in mind to approach only reputable providers since there are many of those out there simply trying to fool people.

  1. Compare Quotations

After receiving offers from different companies, the next step is to analyze each one. Although this may take time, the process helps you understand the different temporary car insurance offers better. Aside from the added knowledge you gain, comparing the offers help you understand what companies can be willing to offer and thus help you make demands from other the companies as well. Check the premium rates, the features, the duration and the benefits of the coverage. Determine which of these companies will provide you with the most needs at the lowest possible price.

  1. Verify the Contract

After trimming down your choices to perhaps your top three, verify each of the contracts by calling directly into their offices and setting an appointment to meet with an officer. During the visit, make sure they answer all the questions that you may have. To avoid forgetting your queries, write them down before the actual meeting. Never buy a temporary car insurance when you have questions unanswered from a provider.

  1. Sign Up

Once you’ve settled all questions with your three top choices, it is time to decide. Choose the best offer taking into consideration the benefits, premium rates and financial stability of the temporary car insurance company.

  1. Pay the Premium

After signing up, you can pay the premium on the spot right there at their office by issuing a check or swiping your credit card. Whatever mode you chose to pay, the initial payment usually serves as a seal to your contract.

  1. Get Proof of Insurance

Proof of insurance may be the receipt of payment or an insurance card. If it is the latter, this usually takes some time to deliver. Keep this proof of temporary car insurance wherever you go during the duration of your coverage to show that your car is well insured in the case of an incident.

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