Car Rental Insurance

Whether you buy auto rental coverage from a rental agency or use your own car insurance, it’s wise to make certain you have enough auto insurance coverage to pay for costly repairs if you should happen to suffer an accident in a rental car. Before taking out auto rental insurance, familiarize yourself with all your auto insurance options. If you already have car insurance, call your insurance agent and find out if you will have enough coverage under your existing policy.

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You could also call your credit card company: Many offer coverage when you charge the rental. In either case, these two options may be cheaper than purchasing auto rental insurance at the rental counter.

If you have car insurance, the type of coverage you bought, along with its deductibles, usually applies to rental cars as well and may replace the need for auto rental insurance. Assuming you purchased collision coverage, it will cover damage you cause to any car that you’re driving, again replacing the need for auto rental insurance. However, many auto insurance policies say that your collision insurance is “excess” to any other coverage, meaning that any coverage you buy from the rental car company kicks in first. Don’t forget that your own collision insurance requires you to pay a deductible before the insurance company picks up the tab. You may also want to look into when temporary auto insurance is appropriate.

Your comprehensive coverage will likely apply to any rental car you drive and cover fire, theft, vandalism or animal collisions which may replace the need for auto rental insurance. Again, your own comprehensive coverage is excess coverage and is subject to your deductible. If you cause an accident, your liability insurance will pay for the damages you cause to someone else, plus any medical expenses that arise from your negligence. Your liability insurance will cover you up to the limits of your policy, and if you were driving a rental at the time of the accident, your personal auto liability insurance, like your comprehensive and collision, will likely be excess coverage.

If you want to buy auto insurance online it would make sense for you to look at all the options The first step to begin the process to determine the best auto insurance online is to get quotes. You can get free, no-obligation quotes by filling out a simple form.