Quotes for 1-12 hours in as little as 90 seconds
Need temporary car insurance for a short period? Looking for an affordable and hassle-free way to get covered quickly? Our hourly car insurance policies provide comprehensive coverage for durations ranging from 1 hour up to 12 hours. Visit our website, answer a few basic questions, and receive a bindable quote in just 90 seconds. Hourly Car Insurance Explained: Quick, Easy, and Cost-Effective.
Why choose our hourly car insurance?
Hourly automobile insurance offers a handy answer for the ones who occasionally use desires that fall out of doors within the scope of a conventional annual policy. Whether you’re moving homes and require coverage for a rental car, want to test drive a new vehicle before purchasing, or need to borrow a friend’s car for a few hours, our temporary insurance has you covered. Here are a few details of why hourly car insurance could be the perfect fit:
- Convenience: No more hassle of adding yourself as a driver to someone else’s policy or paying excessive daily rates for rental car coverage. Get insured quickly and easily online.
- Affordability: Only pay for the coverage you need. Hourly rates are much cheaper than taking out a full policy or paying daily rental fees.
- Flexibility: Coverage durations from 1 hour up to 12 hours allow you to customize based on your specific driving requirements.
- Protect Your Record: Claiming an hourly policy won’t impact your primary auto insurance rates or no-claims discount.
What is 1 to 12-hour car insurance?
Hourly car insurance, also known as temporary or short-term car insurance, provides comprehensive coverage for rental vehicles, borrowed cars, test drives, and other short-term driving needs. Unlike traditional annual policies, hourly insurance allows you to purchase coverage for a specified duration, ranging from just 1 hour up to 12 consecutive hours of driving. Hourly Car Insurance Explained: Quick, Easy, and Cost-Effective.
What are the benefits of hourly car insurance?
It’s Cheaper
One of the primary advantages of hourly car insurance is its cost-effectiveness compared to other options. Adding a daily insurance package from a rental company can be exorbitantly expensive. With hourly insurance, you only pay for the coverage you require – no more, no less. This makes it an affordable solution for those infrequent driving situations.
It’s simple
No complex policy terms or lengthy contracts to navigate – hourly car insurance keeps things straightforward. You’ll be cover for all the essential auto insurance protections like liability, collision, and comprehensive within a simple, easy-to-understand policy.
It’s quick
We understand that temporary driving needs often arise unexpectedly. That’s why our hourly insurance can be purchase and activate in a matter of minutes through a streamlined online process. Get a quote in 90 seconds, review the coverage details, make a payment, and you’re insure.
Your No Claim Discount is protected?
One major benefit that attracts drivers to hourly insurance is that it has no impact on your primary auto policy’s no-claims discount (NCD) or premiums. Claims made on a temporary policy remain separate, leaving your hard-earned NCD intact. Hourly Car Insurance Explained: Quick, Easy, and Cost-Effective.
How does hourly car insurance work?
Getting insured with our hourly car insurance policies is a straightforward process:
- Get a Quote: Visit our website and provide some basic details about yourself, the vehicle you need coverage for, and your desired policy duration (between 1-12 hours).
- Review & Purchase: Within 90 seconds, you’ll receive a personalized quote. Review the coverages, premiums, and terms, and If you’re satisfied, simply complete the online purchase.
- Activate Coverage: Once payment is process, your temporary insurance policy will be activate immediately. You’ll receive documentation via email to keep as proof of insurance.
- Drive: You’re now fully insured for the specified duration! Should your driving needs extend beyond the original timeframe, you have the option to extend the policy online before it expires.
| “Their hourly insurance made renting a moving truck for my condominium relocation a breeze. No more overpaying for unnecessary daily coverage – I only paid for the 4 hours I actually needed it.” – Sarah M., Boston |
Get 30 days of temporary impounded vehicle insurance quotes in 90 seconds
In addition to our flagship hourly car insurance offering, we provide temporary coverage solutions for a wide range of vehicle types and driving scenarios. Click any of the links above to get an instant quote for your specific needs.
When might I need hourly insurance?
There are numerous situations where hourly car insurance can come in handy for the average driver:
- Moving Homes: Whether you’re moving across a metropolis or a few states away, renting a moving truck commonly calls for purchasing each-day coverage accessories which can get high-price. Hourly coverage is perfect for the ones with shorter nearby movements.
- Test Driving a Vehicle: Considering shopping for a brand new or used automobile? Protect yourself with temporary insurance when taking it for a prolonged take a look at force.
- Borrowing a Friend’s Car: Need to borrow a friend or member of the family’s car for a few hours? Adding yourself to their policy may be a trouble – get hourly coverage instead.
- Driving with an Expired Policy: Did your annual auto insurance policy lapse? No problem – stay legal on the road with hourly insurance while you take care of renewing your standard coverage.
- Adding a Temporary Driver: Have a friend or relative who needs to drive your car for a brief period? Hourly insurance is an easy way to add them without modifying your existing policy.
What does hourly car insurance cover?
When you purchase an hourly insurance policy from us, you can expect the same complete coverages existing by a traditional annual auto insurance policy, including:
- Liability: Covers fees associate with bodily damage and property damage if you’re discover legally in charge in a coincidence.
- Collision: Covers upkeep on your vehicle in the event of a collision with another vehicle or item.
- Comprehensive: Covers damages from non-collision incidents like theft, vandalism, weather occasions, and run-ins with animals.
- Uninsured/Underinsured Motorist: Protects you in case you’re worrie about a twist of fate with a reason pressure who would now not have adequate insurance insurance.
- Personal Injury Protection (PIP): Covers clinical expenses for you and your passengers regardless of who is at fault in a twist of fate (depending on your state).
Our hourly rules offer high insurance limits corresponding to what you would discover in a standard annual coverage, ensuring you and your car are completely protected during that brief timeframe. Hourly Car Insurance Explained: Quick, Easy, and Cost-Effective.
What’s covered with hourly car insurance?
Your hourly car insurance policy will protect against incidents and damages including:
- Collisions with other vehicles or objects
- Vehicle theft or vandalism
- Weather-related damages (hail, floods, etc.)
- Injuries to yourself and your passengers
- Injuries/damages you cause to others
- Uninsured/underinsured motorist damages
Additionally, policies include standard coverages like:
- Rental car reimbursement
- Towing & labor costs
- Legal liability protection
What’s optional with hourly car insurance?
While hourly policies already pack in extensive coverage, we also offer several supplemental protection options for added peace of mind:
- Roadside Assistance: Get flat tire changes, lockout services, fuel delivery, and emergency towing included.
- Rental Car Coverage: If your insured automobile calls for repairs from an included incident, this selection offers compensation for a rental automobile.
- Increased Coverage Limits: Have the ability to raise liability, collision, and other coverage limits based on your needs.
What’s not covered with hourly car insurance?
As with standard auto policies, there are certain exclusions and items not covered by our hourly insurance:
- Damages from intentional acts or willful negligence
- Use of the vehicle for commercial activities or hire
- Off-road recreational usage (unless endorsed)
- Vehicle upgrades, custom equipment, or non-factory installations
- Normal wear-and-tear or mechanical breakdowns
- Pre-existing vehicle damages
It’s important to carefully review the specific coverages and exclusions in your policy documents to avoid any surprises down the road.
FAQs
Ans: Hourly car insurance allows you to pay for insurance coverage only for the hours when you need your car. With traditional annual car insurance, you pay for coverage all day, every day whether you’re using your car or not. Hourly insurance lets you buy insurance by the hour so you only pay for the time you’re behind the wheel.
Ans: With hourly car insurance, you download a mobile app from your provider. The app uses your phone’s location services to track when you turn on coverage. You select the hours you need coverage and pay a low hourly rate only for those hours. When your coverage period ends, the insurer stops charging you.
Ans: Some major insurers offering hourly policies include MetroMile, Progressive, Allstate, State Farm, and Liberty Mutual. Coverage and rates vary by provider and location. Hourly options tend to be available mainly for less experienced drivers or those who don’t commute daily by car.
Ans: Savings with hourly insurance depend on your driving habits and annual mileage. In general, those who drive fewer than around 7,500 miles per year are more likely to save compared to annual policies. Savings could be 30-50% or more if you only drive occasionally. The less you drive, the more an hourly policy could potentially save you.
Ans: The main potential downside is needing to plan to turn coverage on/off versus an annual policy providing constant protection. You also pay more per hour of coverage compared to spreading costs out annually. Hourly may not be as convenient for full-time commuters or those who can’t predict driving needs in advance.
