Temporary and Short-term Non-standard Auto Insurance Solutions

Auto insurance is typically seen as a necessity, but there are times when drivers need coverage for a shorter period. Whether you’re renting a car, borrowing a vehicle or between more permanent insurance plans, temporary and short-term non-standard auto insurance solutions can help fill the gap.

Temporary auto insurance provides coverage for a limited period, often ranging from a single day to a few weeks. It’s ideal for drivers who need insurance for a brief period, including the following: 

• Rental cars—When you rent a vehicle, temporary auto insurance can provide additional protection beyond what the rental company offers.

• Borrowed vehicles—If you’re borrowing a car from a friend or family member, temporary coverage can ensure you’re financially protected if an accident occurs.

• Special occasions—For short-term needs, such as driving a classic car for a weekend or a new car before your permanent policy kicks in.

Short-term Non-standard Auto Insurance

Short-term non-standard auto insurance is designed for drivers who need coverage for a period longer than temporary insurance but shorter than a traditional annual policy. It’s often used by the following:

• High-risk drivers—Those who have had recent accidents or violations might find it hard to secure standard insurance. Non-standard insurance may offer coverage tailored to their needs.

• New or unregistered vehicles—Short-term coverage can bridge the gap if you’ve just purchased a vehicle and are waiting for your regular insurance to start.

• Young or infrequent drivers—Young drivers or those who drive only occasionally may benefit from non-standard options tailored to their driving patterns.

Considerations When Choosing Temporary or Short-term Insurance

Make sure the insurance meets your state’s minimum coverage requirements to avoid legal issues and ensure proper protection. Ensure the policy also covers your specific needs, including liability, collision and comprehensive coverage if required. Some temporary policies might have limitations on certain types of coverage.

While temporary and short-term policies can be affordable, ensure that the coverage meets your needs and offers sufficient protection for potential risks. Check if there are any specific requirements or restrictions, such as age limits or driving record criteria, which could affect your ability to obtain coverage.

Your agent can help you choose a reputable insurance provider with good customer service and a reliable claims process. Read reviews and check ratings to ensure you’re getting quality coverage.

Contact Us

Contact Universal Insurance Services in Chicago, Illinois, to learn about temporary and short-term non-standard auto insurance options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.