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Q

Could I buy only one month of insurance?


A

No, not normally.

Most insurance companies offer insurance terms of only six or 12 months --but the good news is that you don't have to pay for the policy in full at inception.

Typically, you can make a down payment then make monthly payments on you car insurance policy. Each state has requirements on the minimum down payment, but it is typically 25 percent of the full policy premium.

At CarInsurance.com you can purchase insurance for six months or 12 month, but you have the option to cancel your policy when you don't need the insurance anymore. Some state laws may restrict you to maintain the policy for at least 60 days without reason to cancel.

If you need insurance for just one month, you can purchase insurance for the shortest term offered and request that it be cancelled after one month. In most cases, you will need to make this request in writing. It is also possible that you will need to provide additional information and may be subject to an early cancellation fee if you cancel mid term. Some states have pro-rate cancellation refunding setup.

Some states with mandatory insurance laws require proof of other coverage or proof that there is no insurable interest (you sold the car, moved it out of state, destroyed it, etc.), in order to cancel within a certain amount of time (typically 60 days).

We are happy to sell you a state car insurance policy and to accommodate your needs.

Comment Update: There is not a specific company or site that offers one month policies. Typically, the shortest term is six months, but you have the opportunity to cancel the policy. We don't currently offer one month policies in any states, but some of our out-of-site partners may offer them.


Categories:
  • Temporary car insurance

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8 Responses to "Could I buy only one month of insurance?"
  1. Ruth Seal

    Thanks for answering the question.

      Reply»  
  2. Visitor

    Consider the retired person who spends much of their time traveling on cruises or with family that only needs car insurance for short periods of time over the coarse of the year. Like 3 months in Florida's winter and no insurance for the rest of the year. Why not provide retirees policies?

      Reply»  
  3. Atul Bhosale

    My vehicle is a 1977 dodge and that year is not listed!

      Reply»  
  4. Anonymous

    I want insurance for one month only because I am selling my car and moving out of State. However, the form you ask me to fill in does not specify anywhere its for one month, so i really dont want to waste my time filling in the form.

      Reply»  
  5. Anonymous

    This answer was what i was looking for Thanks

      Reply»  
  6. Anonymous

    I just find it unfair when you are only wanting it for a month before you leave the country. Trying to get your money back in full is questionable.

      Reply»  
  7. Anonymous

    it did not give a place where there is a one month policy

      Reply»  
  8. Anonymous

    Straight answer to common unanswered question.

      Reply»