Finding One Day Car Insurance

If you are contemplating lending or borrowing a car from a friend or someone in your family, you should consider buying a one day car insurance policy, a relatively new and easy way to insure the vehicle to protect the drive from liability in case of an accident. Even if you think between the two of you, your individual insurance policies should have you covered; you might want to check into that to make sure there are less claims and animosity to deal with should something go wrong. If you think this might be an option for you, and you’re wondering just how to go about getting this type of insurance, just read on and I am going to tell you how to do this the smart and easy way.

  1. Know the facts. What you are going to need to know to start requesting quote and considering options are the answers to all the questions you will be asked. You need to know the names, birth-dates and address of all parties involve; the license number, make, model, age and VIN of the vehicle, everyone’s driver’s license number and possibly the primary insurance carrier’s information.
  2. Go online for quotes. Start your search with one day car insurance and you will find a complete list of companies that offer this type of insurance. Make a list of the insurance companies that you would like to get quotes from and then just start filling out the quote request forms with the information you gathered. Sit back and wait for the quotes to appear.
  3. Widen your search. You can widen your search for a list of insurance companies by visiting a website such as mytemporaryinsurance.com where you find links leading you to many of the top insurance companies. Here you see a variety of different companies you may not have considered before. Quotes are free, so get as many as you want.
  4. Call your local agent. Don’t forget to call your own agent or one of the more popular independent agents in your area. Your insurance agent will appreciate your continued business and you may be rewarded with a preferred rate that the online companies can’t beat, but you won’t know you try.
  5. Pick your provider. Once you have gathered all your quotes it is time to compare content and price and make a decision, choosing which policy for your one day car insurance you want to buy. Be careful just making your decision based on the cost alone. That can backfire on you if things go bad on the road. Make sure that the policy you have chosen has high enough limits on liability and damages, and don’t forget about something covering medical costs in case someone gets hurt. A good rule of thumb is get at least a little more than you think you’d need. You may think this is a lot of work for a one day thing, but having an accident while uninsured, sucks.
  6. Pay for it. Now that you have made your decision, and picked the policy for you, simply use your debit or credit card to pay for the policy online. You can most certainly purchase this from a local agent for check or cash and sometimes if you are buying one day car insurance from your own insurance agent they will just add it on to your monthly bill and you just pay it along with your regular premium payment.
  7. Don’t forget the proof! Don’t log off without getting a policy and or confirmation and proof of insurance. That information will probably come to you via email so you can just print out an insurance card immediately. Make copies, one for your wallet and one for the glove box and one for the other party. That way there is no frantic searching for “who’s got the card” while a cop stands waiting.

There is no good time for an accident, but there is no worse time for one if you don’t have insurance and you aren’t driving your own car. Just because you are only going a short distance or for a day or two, don’t think it can’t happen. They used to say that most accidents happen within 25 miles of home.

A one day car insurance can be purchased for a number or reason, the most frequent are reasons are travel, moving and test driving cars you are either buying or selling. If you are going across state lines to a neighboring state or further it is good to be able to have a policy that takes into consideration the laws and requirements change from state to state, so you can just relax and enjoy a safe trip. That’s where the flexibility of one day car insurance really works.

When can you go for the cheapest insurance available?

When the cheapest price is the smartest price. Those are times when you need just a minimal amount of extra coverage and buying all the options is overkill. Prime examples are when you’re driving someone else’s car that is insured, but not specifically for you; when you are headed into another state where the legal requirements for minimum insurance coverage is higher than the policy you have in your home state; when you have purchased a different car and you want to take couple of days making a decision on the long-term coverage you want to buy, but you’ can’t wait to drive the car.

When you are shopping for the cheapest one day car insurance, just like shopping around for the more extensive policies, the competing companies will be making their offers according to the information you provide them. Look around a little and you can probably find some websites that take your information and send it out to multiple companies.

Full disclosure and honesty

Having the option to be able to purchase one day car insurance is great, because it is a win/win situation all around. If you are thinking about cutting corners and just going through the motions because someone else is watching be very careful. You must be honest and up front about what it is you are planning to do with the unfamiliar vehicle that you are taking responsibility for when you are filling out applications or answering the company’s questions on your applications. Omitting information or just plain lying to an insurance representative to contract their services on a policy that is meant to protect you from harm does not turn out well should anything go wrong. You have to let them know if other people might be driving or if you are traveling out of the state where laws could be different. That way you will satisfy the legal issues and protect your self. No one plans to go out and have an accident, but to chance it and risk everything is just wrong especially when there is a solution to this only a few questions and clicks away.

One Day Auto Insurance – When it Might Be Appropriate to Get One

One day car insurance is an affordable insurance coverage that protects a person effectively for a short term against any loss incurred in cases such as being involved in car accidents. This type of car insurance coverage is often taken by those who drive a car while traveling.

As is always the case when shopping for car insurance, this can be a daunting process; going through the numerous offers and deciding on the right insurance package can take days or weeks of research. However, it is important to compare multiple quotes. This can be easily done online.

Why do people obtain one day insurance?

Living in certain big cities, such as New York, often results in people not using their cars frequently. As a result, often it is very tempting to avoid getting insurance – after all, why pay the premium if you’re not using your car? However, it is crucial that a car is covered adequately when it is used, even for short trips both in terms of distance as well as time. Not only because this is the law, but also to avoid facing any unexpected problems such as huge expenses in the unfortunate event of becoming involved in a car accident without possessing any form of insurance. Remember Murphy’s laws – the unexpected will happen when you least expect it.

There are two scenarios when one may wish to get one day car insurance.

In the first scenario, people who get one day car insurance simply don’t possess a car and only require insurance for short amounts of time when using a rental car or a friend’s car. In this case, this is really the best alternative.

In the second scenario, people simply do not want to spend money on huge premiums for long durations when they rarely use their cars. This can be the case when simply not using the car (as per the example above), or when possessing more than one car, in which the second car is not used frequently (i.e. when a teenage son goes to college, suddenly the car he used is no longer used).

In both cases, it might be wise – financially speaking – to enroll in a one day car insurance whenever the car is required rather than pay a yearly premium. However, if a car is used frequently then this is certainly not the best alternative, and another type of auto insurance would undoubtedly be more appropriate.

World Travel – 100 Days Abroad (Part 2)

This second article in a series of articles titled “World Travel – 100 Days Abroad” includes tips and information from our vacation days in Rome…

Cashing traveller’s cheques

There are quite a few places advertising that they change traveller’s cheques. We had AMEX ones, as they do not attract any surcharges – $1000 means $1000. We went to the AMEX shop at the Spanish Steps. Never again. My recommendation: find another way to get cash. The queues in the AMEX shop were insane, and we checked a few others over the next few days in case we had just been unlucky – nope they were just as bad. We stood in line for an hour (it wasn’t a very long line – maybe 10 people in front of us). The aircon was hopeless too so we were standing, dripping, with a bunch of other hot smelly people, and the kids were not happy.

After all that wait, our transaction took about 3 mins.

Alternative ways to get cash

Wwe found that most ATM machines would happily allow us to withdraw cash from our credit cards. Even with a surcharge of $5-10, that still beats standing in that AMEX building!

The Spanish Steps

The Spanish Steps always has heaps of people sitting on them. When we were there the building at the top had construction happening to it, so the view wasn’t very good for us. However, they are what you’d think – a flight of steps, so don’t expect too much! From there it’s a resonable walk to Piazza del Popolo, then the Villa Borghese, which is a park. That was very relaxing, there’s a gelato cart there, a lovely place to chill out for an hour or so.

Vatican

Go early! We caught the train after breakfast, arriving about 10.30am, and I’d suggest an hour earlier whould have been much better. Follow the signs to the Musei Vaticani, if the queue is short, go for it. If the queue is long, consider that there are usually short (or no) queues after about 12pm. So go to St Peter’s first. There will be a queue there as well to go through the x-rays and clothes police, but it moves pretty quickly.

Tombs of the Popes. This is very interesting. There are a lot of popes buried here (but not all of them) and quite a few of the names we couldn’t read. The most special and emotional was, of course, Pope John Paul II.

As Pope John Paul II had died recently when we were there, they had 2 guards by it as people crowded around. They had a special area for praying. No flashes were allowed (although they didn’t seem to worry about this at any of the others). It was a very simple tomb, set into the ground, with candles lit beside, and some people had left flowers. Just around the corner was St Peter’s tomb. This also had a special praying area.

Back into the basilica, and the basilica’s museum (EUR5 each adult). Quite an interesting place, they have audio guides – you wear headphones and enter the number of the thing you’re looking at into a handset, and it talks to you about the item.

Outside, visit the Vatican Post Office to get some unique stamps for your postcards.

Vatican Museum: You may be approached by a tour guide at the basilica, who will offer to take you to the museum – when we were there the guide wanted EUR37each (including the entrance fee, EUR25 per adult for the tour), however they can’t jump the queue! They claim they can get into the basilica through “a back way”. We declined, so we have no feedback for you on that.

Inside the museum you head for the Sistine Chapel, following the signs. Don’t hold your breath: the signs don’t lead you immediately to the chapel, but took you through several other areas first. Take a camera! The ceilings of most of the rooms are very beautifully done, some with paintings, some with gold artwork.

After about 2 hours of wandering, you finally make it to the Sistine Chapel, along with about 1000 other people. It will be packed, hardly any room to move. You are not supposed to take photos, or videos and you are supposed to talk quietly. Of course with that many people, the talk is in fact quite loud and there are guards that keep shushing everyone. There are also guards running around stopping people from taking photos (probably only the ones who use flashes, or who are really obvious about taking their photos). A few people were escorted out – they probably hadn’t heeded the message. If you are suttle about it, the other tourists will make a wall around you so the guards don’t see. Funny how these things happen.

We spent about 20 minutes in the chapel. It was a lot smaller than I imagined it would be. While the art work was good, it wasn’t quite what we had expected. It took at least another half hour to get out of the museum (we kept stopping for photos).

To prepare for the next stage, we bought the Lonely Planet Italy book and the Michelin Guide – Hotels and Guesthouses for less than EUR100 (for a double room). Those books are excellent, if you have not pre-booked all your accommodation.

Final Thoughts…

One thing we noticed was the number of people with mobiles. Even the police who were guarding important things were talking or texting. The guards at the doors of St Peter’s were also concentrating more on their phones than what was going on! Great for a few photos, something to tell your friends about when you get home.

I’ll submit more articles over the coming weeks, with more tips and ideas about Eurolease (car leasing), Venice, Padua, Pisa (and more Italian highlights), France (various towns plus Paris), Disney (including our Caribbean cruise), Florida and Hawaii.