In the past your auto insurance policy may have been on a yearly basis, however there have been advances in the insurance industry and now there are different types of policies that are available for you, and for different durations depending on what you prefer. Now you can get an insurance policy for a certain span of time, or temporarily.
The reason why the auto insurance companies have introduced such measures is because the government and the higher authorities in the US are now very strict and particular about the insurance, so many incentives have been given in order for insurance to be made available to everyone.
Now, you can get auto insurance for a month, a week or even a day. This if you are borrowing a car from someone, or renting it, you can get the insurance for the specific number of days you would be driving it. If you are going for a road trip, or visiting a relative out of state you can get this an extended amount of coverage for those days on which you will be driving the car. Once you are back, you can get the coverage to regular, and this way you can save a lot of money.
The few months of winter are often very harsh, and that is the time when you need the most coverage that you can get. So what else you can do is get large coverage during these specific months and when the winters are over you would not be needing this coverage.
The short term insurance scheme is mainly designed for the people who love to hit the road during the weekends, and has made many Americans less worried with regard to the auto insurance. There is also an added advantage to these temporary insurances. If your car stops working, or there is some other issue which hinders the movement of your car, you can call your agent and he would make sure that towing facility is available. Moreover, if your car cannot be fixed you can get your car replaced for the time being to take you to your destination.
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