Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Part Year Auto InsuranceIn some circumstances you can buy auto insurance for just part of the year. If you find yourself in a situation where you are moving to another state, renting a car, or driving a car for only a temporary time, then this question may apply to you.

It can be very frustrating if you find yourself in one of these situations. There are a few things you can look into as far as this scenario is concerned.

Read on to learn about part year auto insurance coverage and then to compare car insurance rates from many top insurance companies just enter your zip above!

Factors That Determine Your Coverage

A lot of the answer to this question will depend on whose car you are driving and what state you live in. If you are driving someone else’s car, it may be economically feasible to be added onto his/her policy for a short time.

If it is your own car then some states in the U.S. require that it be insured at all times for as long as you own the vehicle. In most instances, contacting an insurance provider is the best way to get an upfront answer to be sure you are making the right choice.

That said, there is also the option of buying an insurance policy for only six months. The premiums may be higher, but it might be worth it if you only need it for half the year. If you need it for a shorter period, let us say for two months, you could buy a six-month policy and pay for it month-to-month. Once the two-month period is up, you could simply let the car insurance policy lapse.

The downside to handling the matter this way is that it may affect your credit, and might affect your ability to get good rates with another company once you need auto insurance again. Some fantastic insurance companies out there allow you to change or cancel your insurance policy at any time, even before it is time to renew meaning you can cancel without fear of repercussions. However, you must already have your new insurance set up, so as not to have a lapse in coverage.

So, whether you need short term auto insurance or permanent auto insurance; it is possible to find a great policy at a great price if you shop around. Start now!

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Short Term Auto Insurance—Is It Right for You?

Regardless of the effect on your credit, you may eventually run out of insurance providers with which to try this move. This scenario is probably best saved for the truly desperate, as a car with insurance and a lower credit rating is probably better than the possibility of getting into an accident without insurance.

If you are willing to spend the time and exert the effort in shopping around you may find a company willing to do short term auto insurance policies. Some companies will let you purchase insurance for as short of a time as one month. If you are driving for a very short period of time, less than a month, then it might suit you better to get insurance from a rental company directly. If you are on a business trip then you can speak to your employer about adding you to a company policy, or reimbursing you for the cost of the car insurance. If your short-term car insurance needs are in concern for a child away at college, then it might be best to contact your provider before doing anything drastic. Many insurance companies have policies that allow you to insure your child only when they are at home, thus saving you money.

Shop Around for the Best Coverage

To ensure that you are getting the best rates, as short term insurance premiums are sure to be higher, be sure to shop around. You can make phone calls to many insurance agencies or compare prices online. Many websites are now offering services that show multiple quotes across many companies at once. Make sure you verify the other companies prices if the source is questionable.

Look into any discounts you may qualify for. Some companies are giving discounts for setting up an automatic recurring payment online. Other savings may come from multiple car discounts, military discounts, and bundling discounts. Your child can even take advantage of good student discounts for high school and college students. This discount usually requires a high GPA, but varies by company.

Having a better understanding of how the car insurance industry works can save you a great deal of money. Now that you know that you can buy auto insurance for just part of the year, maybe it is time to learn more about car insurance in general so that you can get the best coverage and lower your rates. Try using our auto insurance comparison tool now!