Temporary Car Insurance - A Trick To Get Discount

Research shows an increase in the number of people buying temporary car insurance rather than going for the longer term annual policy.

The way things are with the economy at the moment, it’s no surprise that more and more people are turning to temporary insurance rather than going for a long term option. The amount quoted for this type of insurance can differ broadly.

As you probably know, a lot depends upon your own personal circumstances, and the type of car you want to insure as well as the number of days you want cover. People need temporary car insurance for a variety of reasons for example when they have a to borrow a car, or use a car for a vacation.

A major problem for lots of people is leaving it until the last minute to buy the temp car insurance and just accepting the first quote they get. You should make some enquiries now, when you don’t need it so you have an idea of the costs involved for when you do need it.

The lifetime of a temporary car insurance policy can vary greatly. Some people only need cover for 1 day whereas others might require cover for 28 days. Young people can use this type of insurance if they only need to drive a car for a short trip, or for a vacation for example.
Insurance for young people and teenagers can be very expensive, sometimes exceeding the cost of the actual car. Not many can afford these high premiums as they are still in full time education, or work in low paid jobs. In these cases, temporary car insurance can offer these people a life line.

These policies can be very affordable for young people who might only want to use the car for a specific purpose for example. This means they can get insurance for 3 or 4 weeks at a fraction of the price of an annual policy.

There are some specialist car insurance companies that specialise in providing temporary car insurance for younger people or perhaps people who are a higher risk.
Driving with insurance is a legal requirement in most countries and buying this type of insurance, although it might be relatively expensive on a day to day basis, ensures drivers stay on the right side of the law.

One of the factors that has contributed to the rise in insurance premiums for temporary car insurance, is the increase in fraudulent claims. There is no doubt that if full long term insurance is out of your range, temporary insurance could be the answer. Not only does it enable you to drive legally, but it helps you build up a better driving history which will reduce your costs in the long term.

Here's a quick tip on how to get discount off your temporary car insurance.

Use a price comparison site to get loads of quotes.  These sites are a great resource as you only have to enter your details once.

When you get the search results, get the cheapest 2 or 3 and visit their websites.  Do not buy online by clicking on the price comparison site's link becuase they will get a commission for referring you.  No, visit the sites yourself, find their telephone numbers and call them.

When you get through, discuss your car insurace requirements and let them give you a quote.  You already have an idea what it will be (or at least what is should be), so when they tell you, jsut say it's too high.

Explain you've done some research already and you think you can get a better deal.  Ask them to give you some discount.  They were prepared to give the price comparison site a commission so they have scope to offer you some or all of that commission.

In the VAST MAJORITY of cases, you WILL be offered a cheaper insurance quote.

If you don't ask, you don't get.

Don't be shy.

Good luck :)