Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Sep 23, 2020

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Key takeaways...

  • Insurers offer car insurance policies of all different lengths
  • Some niche insurers will specialize in three-month car insurance policies
  • Comparison shopping can be powerful to get a value-add coverage and premium combination

Consumers have a variety of different needs when it comes to car insurance.

  • Some need car insurance for when they drive their vehicle to work every day while
  • Some need it to get to school
  • There are business owners that are going to need car insurance to help be sure they are covered when their employees are delivering goods

Even within all of those different scenarios are subsets of requirements regarding what real coverage and associated limits are desired. If you need car insurance for just three months, you certainly can get it.

The needs of someone who only wants car insurance for the short-term are going to be very different than the needs of someone who needs to continuous coverage.

When you are in need of short-term car insurance, you already know you need coverage for a pre-defined period.

Compare car insurance quotes today to find the best rate for your unique insurance situation.

Defining the Effective Period


As a consumer, one of the first things that you are going to want to do is to specify the effective period. If you only need car insurance for three months, you better have a firm idea as to when you want that car insurance policy to go into effect.

The policy effective date is going to be clearly labeled right on the insurance policy. It should be on the main page of the policy, the coverage page, as well as on the declarations page with all of the coverages and associated limits.

Have a knowledge base of when you are going to need that car insurance policy so that when you shop, you know what you are seeking.

You should understand things like the deductible, or what you will pay out of pocket should you file a claim. Be sure the deductible is a dollar amount you are comfortable with before binding coverage.

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Insurance Carriers Adjust to the Consumer

Insurance carriers, due to all of the competition that exists in the marketplace, are adapting to consumer needs more than ever before.

There are the big insurance carriers that are going to offer six- and 12-month policies, the more standard policy terms, but that does not mean that your options are limited to just those.

When the big carriers are not able to offer you what you think you need from an insurance policy perspective, niche carriers may be able to.

Even if you need a plan that just covers you for a single week, there are going to be carriers that offer that type of coverage.

Comparison Shopping is Powerful


Comparison shopping is imperative when you are in the market for any car insurance policy. Whether you are buying a three-month or a 12-month policy, have information regarding what is going to be available to you.

Shop around using the Internet and get premium quotes from a variety of insurers. Do not just focus on the premium dollars either; look at the following variables as well:

  • The coverages being offered
  • The associated limits
  • The deductible

A three-month car insurance policy is well within your reach. It is just a matter of finding the right insurance carrier that is going to be able to offer you the most value.

Do your homework and be confident in your decision so that when you bind your policy, you are convinced you are getting the best insurance coverage available specific to you.

Enter your zip code below to begin shopping right now.


  1. http://law.freeadvice.com/insurance_law/life_insurance_law/insurance-policy-dates.htm
  2. https://www.allstate.com/auto-insurance/auto-insurance-coverage-options.aspx
  3. https://www.geico.com/auto-insurance/
  4. https://www.consumeraffairs.com/news/should-you-raise-your-auto-insurance-deductible-011117.html
  5. https://www.esurance.com/insurance/car