Can you get car insurance for just part of the year?

Car insurance

Most insurance companies sell policies that cover a six-month or one-year period.

But, you might want to contact the carrier for your family car. They might agree to add the Toyota for a month or so. This would mean an extra premium charged to your policy, but it should be fairly minor.

Then again, they might not be able to do such a thing. If that's the case, you could approach another carrier, buy a six-month liability policy for the Toyota, and have the payments set up on a monthly basis. Then you'd just pay the first month and let the policy lapse. The problem with this, of course, is that you'd eventually run out of new carriers over the years, and there's a slight possibility that your credit rating could be affected. So, probably not the best approach unless you're desperate and can't locate a carrier -- including your own -- who will help you out. And by "desperate" I mean that it's always preferable to have insurance on the truck as opposed to risking an accident without coverage.

Another option: Sell the Toyota and simply go to U-Haul or Home Depot and rent a truck for the annual trip. At most you'll pay $75.00 for the day, including insurance, and at the end of the day, you get to drop the thing off and not have to worry about maintenance or the Toyota taking up parking space.

More input from FAQ Farmers:

• Yes you can. If your child goes to school more than 100 or so miles away, you can have them insured for the times they are back home