(iii) The 'Driving Other Cars' extension offers limited cover. Some people have a 'Driving Other Cars' extension on their own insurance policy. This covers the policyholder only; and not any additional named drivers. Should you be involved in an accident, the 'Driving Other Cars' extension would not cover you for any damage to your friend's car – only the 'third party' involved. In contrast, if a short term insurance policy was taken out, this cover is comprehensive, meaning the vehicle would be covered, even in the event of a fault accident.


I have been a GEICO customer for about least 15 years. Claims and customer service are not the issue with them. After said years of faithfully paying my insurance on time and renewing each year I accidently back into a car in my driveway. The cars were repaired without incident. However, GEICO penalized me by taking away my good driver discount and increase my monthly insurance rate by nearly $100.00 ; leving a hefty penalty for making a claim. I can’t imagine the money they made off of me during the 15 years I’ve faithfully paid auto insurance. I am hunting for a new auto insurance carrier since GEICO obviously thinks driving is perfect and accidents never happen.
Many drivers make the mistake of thinking if they rent a car they are covered by the policy the rental agency offers. You should realize that most rental agencies assume drivers are getting their own policy and the one they offer is usually terrible coverage at exuberant rates. Get better prices with better coverage with your own one day auto policy in place.

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Many drivers make the mistake of thinking if they rent a car they are covered by the policy the rental agency offers. You should realize that most rental agencies assume drivers are getting their own policy and the one they offer is usually terrible coverage at exuberant rates. Get better prices with better coverage with your own one day auto policy in place.

NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
From the outset, Cuvva was about a simple idea: making insurance simple. We strive to leap forward by offering a fresh take on the way people take out insurance to fit with their needs. Our intention from the outset was to build products that make a difference. We started by making it easy to get covered on a friend’s car, then we provided infrequent drivers the opportunity to buy driving cover when they needed it. We’re continually innovating to provide temporary cover to fit the needs of everyone.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of AWM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.

In fact, even if you are involved in a collision and are not at fault, driving without car insurance of some sort means driving illegally. So more than likely you would not get compensated for your own expenses, even if the other driver was at fault. Avoid tickets, points against your driver’s license, and possible hefty fines by getting at least 24 hour auto insurance coverage for occasional use.


Jason never thought lending the keys to his prized Mustang to his cousin would end up being such a costly mistake. While on his way to work with the borrowed car, Jason’s cousin, who had been living with Jason’s family temporarily, was broadsided by an uninsured driver, which completely totaled the car. Jason was under the impression that his car insurance would cover the damages, and finding out the repairs would have to come out of his own pocket hurt almost as much as seeing Sally’s broken and battered body. While most auto insurance policies cover any driver who has been given permission to use the car, and can protect against damages caused by an occasional driver, Jason’s car insurance was valid only for the family members who had been named as part of their household.  
The average company rates you see above will not always reflect your driver profile. Depending on the many factors insurance companies look at when determining rates, your rates could be significantly different than the rates you see above. The best way to find our which car insurance company has the cheapest rate for you is to compare quotes from multiple companies. QuoteWizard can get help you compare from a handful of companies in minutes.
The key difference in collision vs. comprehensive coverage is that, to a certain extent, the element of the car driver's control. As we have stated before, collision insurance will typically cover events within a motorist's control, or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," that are typically out of your control when driving. These can include such events as a spooked deer, a heavy hailstorm, or a carjacking.
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