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Tuesday, July 7, 2009

One Day Auto Insurance: When It Might Be Appropriate to Get One

By Theodore Hoffstrader

One day car insurance is an affordable insurance coverage that protects a person effectively for a short term against any loss incurred in cases such as being involved in car accidents. This type of car insurance coverage is often taken by those who drive a car while traveling.

Finding the best car insurance has never been considered a fun activity. However, if one wishes to obtain any form of car insurance, including one day auto insurance, it is essential to do the research and find a good policy. This, as always, can be easily done by comparing quotes online.

But why do people require one day auto insurance?

Living in certain big cities, such as New York, often results in people not using their cars frequently. As a result, often it is very tempting to avoid getting insurance - after all, why pay the premium if youre not using your car?

But even if a person strongly feels that he does not need insurance, he is bound to change his mind if he drives his car and gets into a car accident - and suddenly discovers that he needs to pay enormous expenses. Consequently, it is crucial to possess a type of insurance even if the car is used only very rarely.

There are two scenarios when one may wish to get one day car insurance.

The first case involves people who do not possess cars and only use one infrequently. This can be when renting a car, or when borrowing a friend's car. In this case, getting one day auto insurance would be very appropriate.

The second case involves people who wish to save money by not enrolling in an auto insurance plan. This could be the case when they do not use their car often (i.e. live in a place where a car is not necessary, such as New York City), or when they have a second car which is not used frequently.

In both cases, it might be wise " financially speaking " to enroll in a one day car insurance whenever the car is required rather than pay a yearly premium. However, if a car is used frequently then this is certainly not the best alternative, and another type of auto insurance would undoubtedly be more appropriate. - 21396

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