Some people are risk takers and believe that one day car insurance isn’t necessary. They may feel they aren’t going to be driving very far or they’ll be careful. Unfortunately, there are other drivers on the road who might not be so careful. Accidents can happen at any time. Here are 5 things to look for when buying one day or short term car insurance.

1. Does the short term policy meet the requirements of all the states I’ll be driving in?

One reason people buy one day car insurance (or other short term insurance) is because they are moving to another state and for whatever reason their current policy does not meet the requirements of the new state. People going on a driving vacation might also fit into this category. So make sure the short term policy really covers you where you’ll be driving.

2. Is the rate competitive?

Some people think that one day car insurance is expensive, but that is simply not true. Use the power of the internet to help you do some comparison shopping. Don’t forget to check with your current agent. He or she might be able to make you a great deal.

3. What are the coverage dates?

Most one day car insurance policies take effect right way. Just make sure you know when that is. If they policy is written to take effect at midnight tonight, then it won’t help you if you are in an accident at 11:30. Also, you can get short term insurance for longer periods, like a month or so. Just don’t forget when the policy expires.

4. What kind of coverage is included?

Short term or one day car insurance policies offer the same types of coverage as regular policies, such as collision and liability. Get what meets at least the minimum requirements for the states you will be driving in. Also check out special coverage. Many of the short term policies have special options for young drivers or people participating in racing events.

5. Are you dealing with a reputable company?

Sure, getting an online quote is easy, but just who are you dealing with? Take a few extra minutes to check out the company with the Better Business Bureau and one or more of the insurance rating services such as A M Best. You can find all of them online, so it won’t take long and you’ll be more likely to buy from a company that won’t rip you off.

So why take unnecessary risks by driving without insurance? Now that you know the 5 things to look for when buying one day car insurance, you can make an informed decision.