Weekend only car insurance sounds like a good idea at first. After all, if you only use your car on weekends for getaways and errands, why pay the rest of the time? But car insurance is a legal requirement for a reason and having it occasionally on a vehicle that you have year-round is risky. Keep reading to find out why weekend car insurance isn’t a good idea and the alternatives you have to save money on car insurance.
The short answer is, unfortunately, no. Weekend car insurance doesn’t exist and the reasons for it make sense: state laws require drivers to be protected by insurance when driving a vehicle. After all, if someone without insurance hits your vehicle and can’t afford to personally pay the damage, you’d be on the hook.
If weekend car insurance was available, people would only be protected on Saturdays and Sundays. If they happened to drive during any other days of the week, they’d be at risk and this understandably makes insurance providers uneasy. Any reputable insurance provider won’t offer insurance for terms less than six months, so weekend car insurance isn’t a true option. But you’re not out of luck.
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While weekend-only car insurance doesn’t exist, you do still have plenty of options for affordable car insurance that might suit your needs just as well.
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You might be considering stopping and starting insurance policies as you need them, to create your own version of “weekend car insurance”, but this would definitely be ill-advised. Stopping and starting insurance policies at will is generally not allowed by insurance providers. You’ll also go through periods of being uninsured, which can raise red flags to insurance providers when you try to get insurance again. You’ll then likely have to pay a higher rate when you sign up again since you are seen as a risk to providers, which pretty much defeats the purpose of trying to save money with weekend car insurance.
With weekend only car insurance, it also would mean you couldn’t legally zip over to the store or drive in an emergency. The idea of saving money on car insurance is great, but you also want to ensure you, your passengers and fellow drivers are financially protected from the unexpected.
Weekend only car insurance doesn’t exist, and for good reason. But that doesn’t mean you’re stuck with expensive car insurance. There are options for you to save money while being protected on the road, without putting yourself at risk without insurance.
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Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
