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Owners of classic or antique cars in Texas may wish to obtain temporary insurance when these vehicles are being transported. Much of the year these cars sit in a garage and can be covered by a simple comprehensive policy. Insurance agents licensed in Texas can put together a short-term policy that covers damages to the vehicle during transport to an auto show or other location. Temporary insurance is also available to those who borrow a car from time to time. The cost of this insurance is somewhat greater than the price of a traditional long-term liability insurance policy but may be needed if the vehicle's owner does not wish to use his or her insurance to cover the car when someone else drives it.

Purchasing Temporary Insurance In Texas

An insurance agent will want to know what vehicle is being insured and for what reason. Short-term insurance can be for one day or for a month and longer. If a car is borrowed by a friend on occasion the insurance company may not honor a claim in the event of an accident even though the owner's policy provides protection no matter who is operating the vehicle. Some insurance companies will deny a claim if another person drives the car regularly.

Temporary insurance can include collision and comprehensive insurance in addition to the liability coverage required in the state of Texas. A full coverage plan is similar to what is purchased with a rental car. Often the lowest rates will be from the same insurance agent the owner has purchased from. The insurance company is already familiar with the car and if there is no history of damage or accidents a short-term policy may be cheaper that when another provider is chosen.

Transporting A Vehicle Across The CountryTexas residents may wish to consider a short-term insurance policy if a car is purchased far from home and must be transported to the owner's residence. Some insurance providers will insist on this coverage and not include it in a full coverage plan. The type of accident that could occur includes a freeway pileup, faulty mechanics on the trailer hauling the car, poor securing of the vehicle by transportation personnel or lack of proper safety equipment on the truck or trailer. Some transportation companies will insure the vehicle's safety while moving it but only up to a certain dollar amount.Many online comparison sites offer quotes from insurance companies for temporary coverage. Consumers can check each company individually for rates on liability and collision protection. Temporary insurance costs are generally higher when the coverage period is less than one month.
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