While you’ll eventually need long-term coverage for your truck, a temporary policy can let you drive it off the lot or to the mechanic legally.
How does temporary truck insurance work?
Temporary truck insurance can provide liability coverage, which is legally required to be on the roads in most states, as well as collision and comprehensive coverage to protect your truck. Policies can last anywhere from 24 hours to 30 days.
Short-term policies are used most often by customers who have recently bought a new truck and need to bring it home. A short-term policy lets you legally drive the truck while you spend time comparing long-term insurance policies to find the best deal.
Short-term policies can also be used to bring an out-of-commission truck to a mechanic or to insure a truck before you fix it up so that you’ll be able to get a long-term policy for its full value when you’re finished.
What are the benefits of short-term truck insurance?
Temporary insurance can offer:
- Immediate coverage. You can get coverage online almost immediately so you can drive your truck off the lot legally.
- Save money. A temporary policy gives you more time to compare long-term insurance policies so that you can collect quotes from several companies and get the best deal.
- Flexible policy terms. You can choose how long you need coverage for, and if you change your mind you can extend your coverage or take out another temporary policy.
- Full coverage. You can choose to get just liability insurance or you can add on additional coverage so your truck is fully protected.
How much does short-term insurance cost?
The cost of temporary truck insurance depends on a number of factors relating to you, your age, location and driving experience as well as the truck’s make, model, age and size.
Like regular car insurance, you may be eligible for discounts if you’re a safe driver and it’s been at least several years since you filed a claim.
Compare temporary truck insurance
Pros and cons of temporary truck insurance
- Lets you legally drive your truck almost immediately
- Gives you more time to find a permanent policy
- Flexible term length options
- You’ll generally pay more per day than you would with an annual policy
- Varying age restrictions by insurers may make it harder for new drivers to access temporary truck insurance
If you’ve just bought a new big rig and want to drive it off the lot, or if you need to bring your truck in for work and it’s currently uninsured, temporary truck insurance can help. And when you’re ready for a longer policy, compare vehicle insurers to find one that’s the right fit for you.
Questions about temporary truck insurance
Image source: Getty Images
More guides on Finder
Whole life insurance vs. variable life insurance
Two permanent life insurance policies that provide lifelong coverage, though variable life is a riskier investment option than whole life.
Compare tuition insurance
If your child gets sick or injured and has to take time away from college, tuition insurance can reimburse you for what you already paid.
Workers’ compensation vs. life insurance
These coverage options serve different functions but have one benefit in common.
Should you let Amazon deliver goods inside your garage?
While it’s incredibly convenient, you’ll need the right tech to be eligible for this service.
How much does health insurance cost?
Most working Americans pay around $1,489 in premiums each year. Compare costs now.
Denied life insurance
Learn the common health reasons that lead to denials and how to get life insurance anyway.
Mortgage life insurance vs. term life insurance
Mortgage life insurance may be a good fit for people with serious health conditions, otherwise term life insurance offers more value and flexibility.
How to take the life insurance exam blood test
Learn what to expect from the blood test portion of your paramedical exam.
How to get life insurance as a freelancer
As a freelancer you may have unpredictable cashflow, but you can still find income protection with term life insurance.
What is trip cancellation insurance and how do I get it?
A safety net for interrupted or canceled trips.