Weekend Only Car Insurance
Can you buy car insurance just for the weekend?
Well, not exactly. Simply getting insurance for a short period and then canceling it right away is not recommended. However, there are some ways to save on insurance if you only use your car on weekends. You might consider using usage-based or low-mileage policies. We’ll also explore insurance options for people who don’t own a car but use a car-sharing service.
The idea of having car insurance only when you need it sounds great. Unfortunately, most insurance companies don’t allow you to turn your policy on and off whenever you want. However, with more people working from home, there’s a growing demand for flexible auto insurance. The good news is, there are money-saving choices for people who don’t drive often. Keep reading to find out about the best insurance options for infrequent drivers that are both flexible and affordable.
What are the ways to Get Car Insurance for a Weekend
Sometimes you might only need a car for a little while, like just for a weekend. In those cases, you can get temporary car insurance. Here are some options:
- Car Sharing Coverage
If you use services like Zipcar or Turo to borrow or share cars, you might need to buy a special insurance plan from them. This makes sure you’re fully protected while using their cars.
- Rental Car Coverage
When you rent a car from places like Enterprise, Avis, or Hertz, it’s usually covered by your regular car insurance if you have one. You can also buy extra insurance from the rental agency, but it’s often not needed if you already have full coverage on your own car insurance.
If you don’t have your own insurance, you can get cheaper extra insurance for the rental car from other companies like Allianz or Bonzah. This insurance only covers the time you’re renting the car, so it’s great for short periods like a weekend.
- Non-Owner Coverage
This is for people who don’t own a car but still drive sometimes. It usually includes basic coverage, like liability (covering damages you’re responsible for in an accident). But it doesn’t include everything like regular insurance. You have to get it for a longer time, not just a weekend.
- Permissive Use Driver
If you borrow someone else’s car with their permission, their insurance can cover you. For example, if you often borrow your mom’s car, her insurance will cover you. You don’t need extra temporary insurance in this case, but you can get non-owner insurance for more liability coverage if you want.
Reasons To Get Weekend Car Insurance
There are a few good reasons to consider getting car insurance for just the weekend. This short-term coverage can be helpful in these situations:
- Vacation Rental Cars: If you’re going on a short vacation and plan to rent a car, weekend car insurance can keep you protected while you enjoy your trip.
- Borrowing a Car for Errands: Sometimes, you might need to borrow a friend or family member’s car to run errands. Weekend car insurance ensures you’re covered during those short borrowing times.
- Road Trip in a Friend’s Car: If you’re taking a road trip in someone else’s car, having weekend car insurance can give you peace of mind on the journey.
- Sharing Your Car Often: If someone regularly borrows your car, even just on weekends, having temporary car insurance can make sure both of you are protected.
- Rideshare Work: If you drive for a rideshare company like Uber or Lyft during the weekend, weekend car insurance can provide the right coverage for your work hours.
So, getting temporary car insurance is like a safety net for these situations, making sure you have the protection you need, even if it’s just for the weekend.
The Downside of Car Insurance For Weekend Only
If you’re thinking about getting insurance just for the weekends, there are some important things to know. Even though it might seem convenient, there are risks and downsides you need to be aware of.
One big issue is that if you only get insurance for the weekends and cancel it during the week, it could make getting a new insurance policy more expensive later on. Insurance companies might charge you more because of the gap in your coverage history.
Another problem is that in many states, it’s against the law to only have insurance on your car for the weekends. Except for Virginia and New Hampshire, most states require you to have liability coverage all the time. If you break this rule, your car registration could be suspended, which means you can’t drive your car legally.
Not having insurance all the time can also put you and your car at risk. For example, if your car is only insured on the weekends, it won’t be protected when it’s parked. So, if something happens to it while it’s parked, you might have to pay for the damage yourself.
Even if your car is just sitting in your driveway or on the street, you could still be responsible for any accidents it causes. And if you have a loan for your car, the agreement might require you to have more insurance than just on the weekends. This could include things like gap insurance, low deductibles, and coverage for accidents with uninsured drivers. So, getting insurance only for the weekend might not give you enough protection.
When might you consider getting weekend only car insurance?
Temporary car insurance isn’t designed for people who own a car, but there are times when having short-term coverage could be useful. Here are some situations:
- College Life or Military Deployment:
- If you’re a college student, in the military, or spend several months away from your car, weekend insurance might be handy.
- Renting or Borrowing a Car:
- When you’re using a friend’s or family member’s car for a short period, having weekend insurance can be helpful.
- Occasional Car Use:
- If you only sometimes drive a car while staying with someone, weekend insurance could be a good idea.
- Brief Driving Stints:
- For people from other countries or places with excellent public transportation, who will only be driving for a short time.
- Car in Storage:
- If you keep your car in storage for part of the year, weekend insurance might suit your needs.
- Planning to Sell Your Car:
- If you’re thinking about selling your car soon, weekend insurance could be a temporary solution.
In these situations, it’s a good idea to talk to an insurance expert. They can help you find the right policy since insurance companies typically don’t offer policies specifically for weekends or temporary periods.
In summary, while the concept to get car insurance on the weekend may seem appealing, it’s not a viable option due to legal requirements and the potential risks involved. However, there are practical alternatives available that cater to various needs and can help you save money without compromising on essential coverage. By exploring options such as pay-per-mile insurance, car share insurance, non-owner policies, or classic car insurance, you can find a solution that suits your specific situation and ensures you’re protected on the road.
Why isn’t weekend only car insurance available?
State laws mandate continuous insurance coverage for drivers. Weekend-only insurance would leave individuals without coverage on other days, posing risks that insurance providers are unwilling to take.
Can I stop and start my insurance whenever I want to save money?
Insurance providers typically do not allow frequent starts and stops. Doing so may label you as a higher risk, leading to potential difficulties and higher rates when you try to reinstate coverage.
Are there alternatives for infrequent drivers to save on insurance costs?
Yes, options like pay-per-mile insurance, car share insurance, non-owner policies, and classic car insurance provide alternatives for individuals who don’t drive regularly.
What is pay-per-mile insurance, and how does it work?
Pay-per-mile insurance allows you to pay based on the number of miles you drive. Telematics devices track your mileage, offering a cost-effective solution for infrequent drivers.
How does car share insurance work, and when is it beneficial?
Car share insurance is beneficial when using services like Zipcar for occasional trips. The service provides insurance coverage for the state minimum requirements, offering a cost-effective alternative to year-round coverage.
Is classic car insurance suitable for weekend use of any car?
Classic car insurance is designed for special or vintage vehicles used for occasional pleasure driving. It typically comes with restrictions and eligibility criteria, making it suitable for specific circumstances.
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