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What is Weekend Car Insurance?

Last Updated on December 4, 2023 by a2z_admin

 

Weekend car insurance is like a short-term deal for your car. But here’s the deal: it’s not something all insurance companies normally do. If someone is trying to sell you weekend car insurance, you should be careful because it might not be legit.

Sometimes, you might only need car insurance for a weekend, like when you’re borrowing a friend’s car. Regular insurance plans usually last for at least a whole month, but you might be able to get some money back if you cancel it early.

Watch out, though! Some places say they offer insurance for just one or two days. Places like AtoZinsurances say you should be careful with these because real insurance plans usually last for six months. So, those super short ones could be trying to trick you.

Remember, car insurance usually goes with the car, not the person driving it. If you’re driving your friend’s car and they say it’s okay, their insurance might cover you.

For other times when you really need your own insurance, even if it’s just for a little while, there are some options. You could get a regular policy and cancel it early if you don’t need it for long. Or, you can think about getting insurance when you rent a car instead of the usual kind.

Can you get car insurance for just the weekend?

Well, not really. Doing that involves starting and stopping an insurance policy really quickly, and that’s not recommended. However, there are some ways to save money on insurance if you only drive on weekends. We’ll explore options like usage-based or low-mileage policies. We’ll also check out insurance choices for people who don’t own a car but use a car-sharing service.

The idea of only having to pay for car insurance when you actually need it sounds great, doesn’t it? Unfortunately, most car insurance companies don’t let you turn your insurance on and off whenever you want. But since a lot of people are working from home these days, more drivers are looking for insurance that’s flexible. The good news is there are ways to save money for those who don’t drive very often. Keep reading to find out about the best insurance options that are both flexible and affordable for people who don’t drive a lot.

Getting insurance for your car just on weekends: what are your choices?

Even though there’s no specific “weekend-only” insurance, you can still save money on car insurance if you mostly drive on weekends. Let’s talk about some options that might help.

  • Pay-per-mile Car Insurance:
    • If you don’t use your car much, consider pay-as-you-go insurance.
    • These plans use devices to track how much you drive, and you pay based on that.
    • If you drive carefully and not too often, your insurance can be cheaper.
  • Some companies that offer this type of insurance are:
    • Progressive SnapShot
    • State Farm Drive Safe & Save
    • Esurance DriveSense
    • Nationwide SmartRide
    • Nationwide SmartMiles*
    • Allstate Milewise*
    • Liberty Mutual RightTrack
    • Metromile*
    • Noblr
  • *Metromile, Nationwide SmartMiles, and Allstate Milewise are special because they are true “pay-as-you-go” companies. You pay a base fee and an extra fee for every mile you drive. That makes up your total insurance cost.
  • Rideshare Services:
    • If you only need a ride now and then, services like Lyft and Uber can be good options.

Remember, these options can help you save money if you’re not using your car every day.

The Downside of Weekend-Only Car Insurance

Even though it might seem convenient to get insurance just for the weekends, there are some important things to consider. If insurance companies offered short-term plans, you might still face a few problems. For one, taking a break from your coverage could make it more expensive to get a new policy later on.

State laws also play a big role in this. In most states, you need to have liability coverage for injuries, and in places like Virginia and New Hampshire, it’s a must. If you only use your insurance on Saturdays and Sundays, you could be breaking the law, and your car registration might be at risk.

Using weekend-only insurance means your car won’t be fully protected. If it’s parked and something happens, like damage or theft, you won’t have coverage. This is important because even if your car is in your driveway or on the street, you could still be responsible for any harm it causes.

If your car is on a lease, your loan agreement might require you to have more coverage. Weekend insurance usually doesn’t include all the protection you need, like gap insurance, low deductibles, and coverage for uninsured drivers. So, while it might seem like a good idea, weekend car insurance might not give you enough safety.

When might you need temporary car insurance?

Temporary car insurance is not for people who own a car all the time. But there are times when it can be helpful, like:

  • College Life or Military Service: If you’re a college student, in the military, or spend a lot of time away from your car.
  • Borrowing or Renting a Car: When you borrow or rent a car for a short period.
  • Using a Friend or Family Member’s Car: If you sometimes drive a friend or family member’s car but not all the time.
  • Visiting from Another Place: If you’re from another country or an area with good public transportation and only plan to drive for a short time.
  • Storing Your Car: When you keep your car in storage for part of the year.
  • Planning to Sell Your Car: If you’re getting ready to sell your car soon.

If you find yourself in any of these situations, it’s a good idea to talk to an insurance expert. They can help you find the right insurance that fits your needs. Just remember, most insurance companies don’t sell policies specifically for temporary or weekend use.

Do insurance companies have short-term plans?

Well, most big car insurance companies don’t really have special plans just for weekends or short periods. They usually stick to offering insurance for six months or a whole year. This is because having weekend-only insurance can be a bit tricky for them. It’s hard for them to make sure people only drive during the weekends and not cheat by driving on weekdays without the insurance knowing. This makes the insurance companies feel a bit unsure about offering these short-term plans.

There are a few insurance companies, like atozInsurance, that say they can do shorter plans, like one month. But finding a plan that only covers weekends might still be a bit tough. So, if you’re looking for insurance just for a short time, click here to get a free quote.

How to Get Car Insurance Just for the Weekend?

If you’re looking for car insurance but only need it for the weekend, don’t worry! You can’t buy a policy just for the weekend, but there are other options like temporary or short-term insurance. To find the best deal, compare quotes from different insurance companies. Before you start, gather some important documents like your driver’s license, social security number, bank details, and information about the car you want to insure.

Once you have everything you need, here are some common ways to get temporary car insurance:

  • Buy and Cancel Method A popular option is to buy a regular car insurance policy and cancel it when you no longer need coverage. Keep in mind that you might have to pay for at least a month of insurance even if you cancel early. When you want to end your coverage, call your insurance company, send a cancellation request by mail, or visit them. Just be aware that there might be penalty fees.
If you want to avoid extra costs, look for an insurance company that doesn’t charge a cancellation fee.
  • Add a Driver to Your InsuranceYou can add a driver to your insurance policy by calling your insurance company. You’ll need to provide information about the other driver, including their complete name, gender, date of birth, social security number, occupation, and driving history.
  • Non-Owner InsuranceIf you don’t own a car but still need coverage for when you borrow or rent a vehicle, you can get non-owner car insurance. Contact your insurance company to ask about this option.
  • Usage-Based Car Insurance Some insurance companies offer coverage based on how often you drive. Ask your insurer if they provide this option and if it’s available in your state.
  • Rental Car InsuranceIf you don’t own a car but need insurance for short periods, like during a vacation or business trip, rental car insurance is an option. You can get it from the rental car agency or check with your insurance company to see if they offer this coverage. Some credit card companies also provide rental car insurance.
  • Rideshare Car InsuranceIf you drive for Uber or Lyft, they provide insurance coverage. For other rideshare companies, you might need to arrange your own coverage. Call your insurance company to see if they offer rideshare car insurance. If not, explore other insurance companies that provide this type of coverage.
Remember, it’s essential to meet your state’s minimum car insurance requirements, even for temporary coverage. If you think you’ll be driving more in the future, reconsider getting weekend-only car insurance.
Here Is A List Of Important FAQS

Weekend car insurance is like a special kind of temporary car insurance, but it’s not the regular insurance that companies usually offer. If someone tries to sell you weekend car insurance, be careful because it might not be legit.

Weekend car insurance can be a good choice for people who only need car insurance for a short time, like if they’re borrowing a car or working for a rideshare company. It gives you protection without having to get a regular insurance policy.

Temporary car insurance can be handy in different situations. For example, if you’re not using your car for a few months, renting a car for a short time, borrowing a friend’s car now and then, or planning to sell your car soon. It’s a good idea to talk to an insurance expert to figure out the best policy for what you need.

If you turn off your insurance for the weekend, it could cause a gap in your insurance history. That might make it more expensive to get a new insurance policy later on. Also, you might run into legal problems if you don’t follow the rules for having continuous coverage, as required by your state.

About the Author

Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.

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