SR-22 and Temporary Auto Insurance Policy
If you are looking for cheap SR-22 and temporary car insurance, think twice. While there are some instances where you might want to buy temporary car insurance, you need to maintain continuous coverage while your SR-22 is in effect. Your first concern should not be finding an SR-22 and temporary car insurance company but finding a reputable company that will help you meet minimum state requirements.
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UPDATED: Aug 9, 2021
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- Some companies may offer temporary car insurance, but you should think twice about purchasing such a policy if you have an SR-22
- It may be illegal to have an SR-22 and temporary car insurance
- There are better car insurance options at your disposal, particularly if you do not own your own car or drive often
You may wonder if it is a good idea to have an SR-22 and temporary car insurance. Specifically, you may wonder, “Can I buy car insurance for one day or a month?” Simply put, it is not a good idea, even if some companies offer such policies.
Temporary car insurance is a type of policy that lasts less than six months. Most car insurance companies require you to carry insurance for six-month or year-long terms — and for good reason. However, some companies will allow you to carry insurance for a shorter period.
Even if you think that getting a short-term insurance policy might help you save money, there are better ways of getting cheap SR-22 insurance. Also, there are long-term consequences for purchasing a temporary policy. Your top concern is legality.
Find out why SR-22 and temporary car insurance quotes do not mix well, and why you should avoid short-term insurance under certain circumstances. If you want to look at rates from top insurance companies in your area right now, just enter your ZIP code into our free quote tool above.
Can you get temporary car insurance?
Can you buy SR-22 and temporary car insurance? Can you get one-month car insurance?
Yes and no. Some companies offer temporary car insurance yet, in most cases, you should avoid getting temporary car insurance, particularly if you have an SR-22.
However, the following situations might allow for SR-22 with temporary car insurance:
- If you need to rent a car for a short time (two days to a month), you may be compelled to use the insurance that the rental car company offers. While you are traveling, you will likely need to carry that coverage.
- If you are driving a classic car, you may need specialized insurance coverage for that car.
- When you buy a new car, your car insurance company might grant you an insurance binder while you wait for your new policy to take effect.
Otherwise, temporary car insurance is not a good idea. If you need to drive regularly, want to save money, and/or show that you have continuous coverage, get a long-term policy.
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What are the drawbacks of having an SR-22 and temporary car insurance?
Outside of renting a car for short period, buying temporary insurance can hurt you legally, monetarily, and insurance-wise.
For starters, if you need an SR-22 bond, that means you are essentially on probation. To have your full driving privileges restored, you need to maintain a good driving record and have continuous car insurance coverage. Getting temporary auto insurance may interfere with that.
Also, when most car insurance companies see that you have gaps in your car insurance coverage, they may be less likely to give you a policy.
Car insurance companies operate on risk, and they prefer giving policies with six-month and year-long terms. That way, they are more likely to keep you as a customer.
If you do manage to get a permanent policy, your car insurance record may lead to increased rates. You already are dealing with increased rates because of your recent driving record. To make matters worse, you may also have to pay cancellation fees if you terminate your policy early.
What are some alternatives to temporary car insurance?
Whether you own your own car or not, you have several good options to maintain continuous coverage.
If you own your own car:
- Find the best car insurance companies that will file an SR-22 form for you and help you meet state minimum requirements. In most states, you will only need to carry a minimum level of liability insurance for property damage and personal injuries to other drivers.
- Consider purchasing comprehensive coverage, collision coverage, and personal injury protection if you can afford it. This will help you protect your car and yourself.
- Look at affordable car insurance policies that offer accident forgiveness. You may be able to earn discounts after a few years of good driving.
If you do not own a car:
- Consider purchasing non-owner SR-22 insurance. Keep in mind that such a policy is secondary to the insurance the car’s owner has, and it will not cover damage to the car you drive. Your non-owner policy will not cover medical expenses should you get into an accident, either.
- If you live with the owner of the car you drive, see if you can be a named driver on that person’s auto insurance policy.
- Buy a usage-based car insurance policy. If you will not drive that much, a usage-based car insurance policy will help you maintain coverage while you earn discounts for driving less than other drivers.
On that last point, some car insurance companies offer telematics programs. In some instances, all you need to do is download a smartphone app that tracks your driving habits and records them.
The National Association of Insurance Commissioners cites telematics programs with helping drivers to reduce their mileage and drive more safely. These programs have the added benefit of reducing your rates, as well.
SR-22 and Temporary Car Insurance: The Bottom Line
Ultimately, you should be suspicious of any company that offers affordable SR-22 and temporary car insurance. Again, you need to maintain continuous coverage during your SR-22 period.
In most states, that period lasts for three years. Also, there are more affordable options out there.
Always look for reputable companies that offer you the necessary coverage whether you own your car or borrow others. And always compare rates from several companies before you buy a policy.
Don’t just think about finding low SR-22 and temporary car insurance rates; think about quality and meeting state requirements.
Now that you know why an SR-22 and temporary car insurance are a questionable combination in most cases, start shopping for the right kind of coverage. Enter your ZIP code into our free quote tool below to see rates from top car insurance companies in your area.