What are the best car insurance options for infrequent drivers? Sometimes that depends on whether or not you are making a monthly car payment. If you are making a monthly car payment, then you will need to have full coverage on your car. However, if you are not making a monthly car payment, then you have many options open to you as an infrequent driver. Let us take a look at your possible options.
First, you will need to find out your state's minimum requirements toward auto car insurance. Once you know your state's auto car insurance minimum requirements, then it will be much easier to find the insurance that is right for you. Most of these minimum requirements for infrequent drivers will allow you to get either temporary car insurance or liability car insurance. Typically, temporary car insurance is good for 10 - 28 days and can be renewed the next month, if needed. Furthermore, temporary car insurance is good when you are renting or leasing an automobile. Liability car insurance, on the other hand, is a good option but will only pay for damage to other people's property and not your own property. The fact that liability does not cover damage to your own vehicle may be the only downside.
The next thing that you will need to do is find affordable car insurance. That can be done by comparing any car insurance quote online or by calling each local company directly. You may want to do both. Finding affordable car insurance in this economy is really the sensible thing to do. Sometimes a large amount of life insurance will give you a big discount, making your car insurance affordable. Temporary car insurance, liability insurance, and the ability to stay on your parents' car insurance are different ways of getting affordable car insurance. For the infrequent teenage driver, the best option is really to stay on their parents' car insurance as long as possible since their parents are able to get better rates and more discounts than the teenage driver is alone. Another option for infrequent drivers and probably one of the best options, is the pay as you drive option. The pay as you drive option allows you to pay by the mileage you drive. With this option, you will need to report, monthly, your odometer readings to the car insurance company. And it is possible to receive discounts on your mileage rate on a pay as you drive option.
You can see that there are many options out there for the infrequent driver. Most of them are fairly easy and inexpensive to obtain. Be sure to check out all your options before purchasing your new and affordable car insurance.