If you are tired of paying for insurance you rarely need, short term car insurance might be a good option for you. What is a short term insurance policy? Why should you consider it? It must be said that these policies are not for everyone. If you use your car daily throughout the year, you are probably better off using a regular insurance. However, if you often do not use your car for months, or need to purchase coverage on a car for a few days or months, a shorter insurance policy could provide you with substantial savings.

Cost is the main reason short term car insurance makes sense for some people. If you only use a car for five months of every year, it does not make sense to pay for a whole year of expensive insurance coverage.

When you borrow a car it is also a good idea to have your own coverage to avoid issues with the owner, and to provide you with peace of mind in case an accident should happen to occur while you are driving.

You might be surprised to find out just how short these policies can be. If you need insurance for just 24 hours or for three months a short policy can be written to specifically cover your needs. If you need to extend the term of your policy, you should be able to just call to receive an instant extension on the existing one.

Traveling to other countries with special insurance requirements is simplified if you can easily purchase a policy which provides the necessary coverage for the period you are going to be out of the country. Some insurance companies allow for a temporary addendum on your current policy, but not all of them have a provision for it. A short policy for the time you are traveling could be a good alternative if this is indeed the situation.

If you think you might benefit from cheap short term car insurance, write down the kind of coverage you feel will be appropriate to your need, and compare the quote you get for a short policy with your current yearly policy. If you take the time necessary to complete this extra step then you might get a pleasant surprise and some extra cash to spend.