Most auto insurance that you will purchase is what is called annual auto insurance. This is insurance that you purchase that you pay monthly for and that you will renew each year. However, there are cases that you will want or need to purchase short term car insurance, and like any other kind of insurance, you have different prices and options available to you.
You can purchase short term auto insurance with the kind of coverage that annual insurance offers. You can purchase basic coverage or full comprehensive coverage that also includes medical coverage. The cost of short term insurance is not much different than annual insurance, however some insurance companies may not allow you to pay your premiums in installments; instead you will have to pay the full premium up front.
The reasons for using short term car insurance might vary. You may want short term insurance if you are renting a car, want to protect a car that you are not driving during a time of year where the weather might cause the car damage, if you are planning on only owning a vehicle for a short period of time or if you are not from the US but you will own and drive a car for a short time while you are in the US.
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