No, The General does not offer temporary car insurance. The only way to get short-term car insurance from The General, or any other reputable insurer, is to purchase a six or 12-month policy and cancel when you no longer need it. If you decide to terminate your The General car insurance policy early, you may be required to pay a cancellation fee equal to about 10% of your remaining premium, depending on where you live. You may also be able to get a refund for any unused coverage time you’ve prepaid for.
One The General alternative to temporary car insurance is a non-owner policy, which is available to drivers who do not own or have regular access to a vehicle. Non-owner car insurance is cheaper than a standard auto policy, since you are not covering a specific vehicle. If you rent or borrow vehicles often but don’t own a car yourself, then The General’s non-owner car insurance is an affordable option.
No, it’s not bad to switch car insurance companies often. Switching insurers can be a great way to save on your car insurance premium, though it’s important to remember that you may be charged cancellation fees each time you switch companies mid-policy.
Progressive, Travelers, and Liberty Mutual are the only companies among the 10 largest insurers that charge cancellation fees, though smaller companies like … read full answerAAA and Auto-Owners also have fees. If your insurance company charges a cancellation fee, then it’s probably best to wait until it’s time to renew your policy to switch insurers.
If you decide that you want to switch insurance companies mid-policy, you need to contact your current insurer and let them know instead of simply not paying your premium. Even if you paid for your policy in full up front, you should still officially cancel the policy so that you can get a prorated refund.
No, you can’t get one-day car insurance. Many websites throw around terms like “one-day,” “short-term,” and “temporary” insurance, but there’s a reason they don’t mention where to buy it or which companies offer it: one-day car insurance policies don’t really exist—in some cases, they may be scams.
The only time you can get one-day coverage is if you pay for rental car insurance at the counter. No reputable insurance company will offer a policy shorter than six months for your own car. And even in the case of … read full answerrental cars, you may be covered by your current policy or have other, better alternatives.
Alternatives to One-Day Car Insurance
People looking for one-day insurance coverage are usually borrowing a car. In that case, non-owner car insurance may be an option. Non-owner insurance supplements the owner’s policy after an accident.
Insurance usually follows the car, so the owner’s insurer will pay for the claim. But if damages exceed the owner’s policy limits, you’re financially responsible. A non-owner policy kicks in as secondary coverage to protect you while driving a borrowed car.
If you’re an infrequent driver, a pay-per-mile policy (also known as usage-based insurance) may fit your needs better than one-day insurance. Pay-per-mile policies price your premium based on how much you drive and how responsible you are when driving, as measured by an electronic monitoring device that attaches to your car or operates through a phone app.
Such usage-based policies can be purchased through Progressive, State Farm, Esurance, Nationwide, Liberty Mutual and more.
If you drive less than 5,000 miles per year, you fall into the low-mileage bracket and likely qualify for cheaper insurance. That could be the case if you drive for leisure, own a classic car that only comes out of the garage on holidays, or mostly use public transportation and store your car.
You could always purchase a standard policy and cancel it when you don’t need it anymore. You pay for coverage in advance, so when you cancel, you’ll get a prorated refund. But even if you cancel one day into the policy period, you’re not guaranteed a full refund. In addition to possible cancelation fees, you could be billed for more days of coverage than you need.
Bottom Line on One-Day Car Insurance
A one-day insurance policy is not something insurance companies offer, but there are better policy options to meet your short-term needs. For more information, you can check out WalletHub's guide on temporary car insurance.
No, you do not need car insurance to borrow a car if the owner is insured, they have given you permission to drive the vehicle, and their policy allows it. Car insurance follows the car, not the driver, so expenses from an accident will generally be covered by the vehicle owner’s insurance policy. This is often referred to as permissive use.… read full answer
If you plan to drive borrowed cars frequently, you should consider purchasing a non-owner car insurance policy. Non-owner coverage gives you additional protection beyond what’s offered by the owner’s policy.
For example, if you’re in an accident while driving someone else’s car, the owner’s car insurance policy limits may not be high enough to cover all medical bills and repair expenses. A non-owner policy acts as secondary coverage, though, so it will kick in once you’ve hit the owner’s coverage limits.
Non-owner policies are much cheaper than normal car insurance, and only cost between $200 and $500 per year. Most major insurers sell non-owner coverage but don’t offer online quotes, so you will need to call in order to get an exact cost estimate.
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