Depending on a driver’s circumstance, he or she may own a second car that is only used on weekends.
The car might remain safely in a garage until the weekend arrives. Others might not drive during the weekday simply because there is no need. An owner can do anything he or she wishes with a vehicle.
Owning a car does not come with a mandate to drive it. A mandate to buy insurance, however, is on the books in 48 states.
To some, there may be fiscal considerations that come with owning a car no one is driving. A simple question may be asked by part-time drivers: “Can I buy insurance that is only in effect just on the weekends?”
Compare car insurance quotes to find the best rate for your coverage needs.
Clarifications for Weekend-Only Drivers
No insurance policies exist in the United States that specify weekend-only coverage for a standard vehicle.
A classic car could come with a very limited policy that covers only a few hundred miles per year, but this is the right policy for someone who owns a traditional vehicle.
An insurance provider cannot underwrite and sell a policy enacting coverage solely on weekends. Some may believe temporary insurance is an alternative option, but they are probably misinformed.
Using temporary coverage for a vehicle would be a very bad idea. Again, 48 states in the U.S.A. require insurance coverage. Allowing the coverage to lapse could be a potential violation of the law.
Even parking an uninsured car on a public road would be a violation. In Connecticut, the police are authorized to impound an uninsured vehicle parked on a public road.
Storing an uninsured car on private property may be legal depending on state laws, but doing so is probably not wise. Leaving a parked car purposely uninsured at any time would open the owner up to great liability risks.
The entire purpose of taking out an insurance policy is to protect oneself financially in the advent of a disaster. A disaster could include:
- if the parked or stored car was stolen
- if another driver crashed into a garage and totaled the car
No insurance means filing a claim is out of the question. No money could be recouped on any damage losses. Worse yet, no protections would be in place if an injury was suffered.
All of this commentary is really hypothetical. Maryland is a state in which a vehicle must be insured at all times with no exceptions.
The Proper Use of Temporary Insurance
The concept of weekend-only insurance may derive from misunderstandings regarding the intended purpose of temporary insurance.
Temporary insurance usually runs from one day to 30 days. During the established coverage period, the policy would be fully in effect and provide the necessary coverage as deemed adequate in the state of issuance.
There are a few general reasons why someone would acquire temporary car insurance.
- renting a car
- borrowing a friend or relative’s car
- driving a company car
Essentially, when a car is not owned by the person driving it, the driver might find it prudent to acquire a temporary policy. Finding one online with a little bit of comparison shopping probably would not be too complicated.
Taking this step definitely would help with acquiring appropriate coverage.
Solely relying on a rental company’s insurance policy might be a bad idea, though. The person who accepts such coverage might end up woefully underinsured. Why take such risks when buying a temporary policy would be a much better plan?
Options for Those Interested in Less-Costly Coverage
A driver who only drives on weekends may be able to reduce the cost on his or her insurance policy. While a weekend-only or a temporary insurance policy would be out of the question, cutting down on the amount of money paid on an insurance policy is possible.
How can this be done?
For one, look for a policy with a higher deductible. Raising a deductible from $500 to $2,500 absolutely lowers premium costs since more is paid out of pocket by the insured.
The drawback here, obviously, is the insured runs into more expenses when an accident occurs. No one can predict when, where, or how an accident or incident will arise, but the odds of anything going wrong while the car is parked and not used do decrease.
How often a car is used could factor into how much the insurance costs. If the vehicle is driven a very limited amount of miles per year, an insurance provider might cut down the rates.
Not every insurance provider could offer this type of discount, which is why comparison shopping is so important.
The location of where the car is parked plays a role in how costly the insurance can be. Metropolitan areas do come with more risks.
Not everyone may be aware than parking a car in a garage or on a driveway presents even less risk. A car parked on the street could be hit or damaged in any number of ways.
Relaying information how and where the car is stored to the insurance provider would assist with acquiring a lower rate.
Other discounts exist for the following people:
- persons who have not had a moving violation in years
- persons who take a defensive driving course
- veterans and federal workers
Not every insurance providers has the same discounts and offers. Take this bit of information as another reason to comparison shop among those who do.
Rather than chase some mysterious and non-existent weekend policy, it would be far better to look into legitimate options for actually saving money.
It never hurts to look at what other options are available. Comparison shop today to find the right coverage for you!