There are many reasons that people select one day car insurance as a protection option when they travel. In some cases an individual may be borrowing a friend’s car for a short, one-day trip and need insurance for that day. At other times it may be that a borrowed car will be driven for several hours by an individual who is not insured to drive that particular vehicle. Whatever the reason, one day car insurance provides the protection of long term insurance for an extremely short time.
One day car insurance can be obtained for a period of one day to twenty-eight days depending on the need of the purchaser. Individuals traveling on small excursions can all be covered under this type of insurance policy. By obtaining one day car insurance all drivers of the vehicle are protected and if an accident occurs it does not affect the established, long-term insurance policy of any one driver.
When a group of friends decide to take a day trip in a car it is often hard to know who is insured properly for driving during the trip and who is not. When one day car insurance is purchased the question of proper coverage for all of the drivers is no longer a question as all drivers listed on the one day car insurance policy are covered for the trip. This is very important for young drivers traveling together since some may not have proper insurance yet will be driving part of the time during the trip anyway. For that reason, it is very important to make sure that a one day car insurance policy covering all of the drivers be obtained prior to the drivers leaving for their trip.
Some companies choose to purchase one day car insurance when they are conducting meetings that will include individuals who have flown in from another country and must have access to a vehicle during their stay. One day car insurance removes the sole liability of the company sponsoring the visitor when they are driving a vehicle in a foreign country. This can be very important when the individual will only be in the country a short time and would not be able to return if there were an investigation of an accident that included the driver not being properly insured.
When making day trips a one day car insurance policy can provide all of the benefits of a long term policy. Roadside assistance is available for individuals if their car breaks down and a one day car insurance company representative will dispatch a technician to assist the insured and tow their vehicle to the nearest repair shop.
1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Underinsured Motorist Bodily Injury covers you, the other people on your policy and your passengers for damages or death caused by a person without sufficient car insurance.