| Rental Car Insurance: Do You Need It? | | | | rental cars. If your auto insurance doesn't cover your |
| If you have ever rented a car for a short period of | | | | rental, you could be left holding a bill for tens of |
| time, whether during a vacation, a business trip, or while | | | | thousands of dollars. This kind of costly mistake can |
| your own automobile was being repaired, you have | | | | be easily avoided just by making one phone call in |
| probably faced the question of whether to take out | | | | advance. Even if you are not planning to rent a car in |
| insurance at the rental agency desk when you rent | | | | the near future, it is not a bad idea to find out today |
| the car. Paying your rental company for insurance on | | | | whether your policy covers rental cars. That way, all |
| your rental car is necessary sometimes, but not | | | | the necessary information will be there for you when |
| always. In fact, much of the time rental car insurance | | | | you need it. |
| ends up adding some fairly steep fees onto your rental | | | | Even if your regular insurance plan doesn't adequately |
| even though the coverage you're paying for may be | | | | cover rental cars, you don't necessarily need to pay |
| completely redundant. | | | | the high insurance fees that a rental agency will |
| To know whether you need to write a check for the | | | | probably charge. There are plenty of options to make |
| hefty chunk of change that many automobile rental | | | | sure your temporary wheels are covered in case of a |
| companies collect for insurance coverage, all you need | | | | collision or other cause of damage to the car. In fact, |
| to do is spend a bit of time finding out exactly what | | | | you can get a much better rate than a rental agent is |
| kind of coverage you already have. In many cases, | | | | likely to offer you even if you don't own a car of your |
| your regular auto insurance is more than sufficient to | | | | own. There are specific policies that insurance |
| protect you financially if you do damage a rental car. | | | | companies offer for customers who rent cars |
| Anyone who owns an automobile of their own has an | | | | frequently. A non-owner auto liability insurance policy |
| insurance policy that gives them some level of | | | | provides affordable and usually quite comprehensive |
| coverage in case of damage to the car from an | | | | protection for rental drivers who do not own cars. If |
| accident, theft, vandalism, or other mishap. It varies a bit | | | | you don't have personal automobile insurance that |
| from policy to policy, but most of the time this same | | | | already covers rentals, one of these can offer you the |
| coverage will apply to a car rented in the policy | | | | security of knowing you are fully covered without the |
| owner's name. This means that if your car is fully | | | | steep prices of rental agents' insurance packages. |
| insured, any rental car that you drive will probably be | | | | Whether you find out that you need to take out a |
| just as well covered as your personal automobile. | | | | non-owner auto liability insurance policy, or whether |
| Of course, before you turn down added rental | | | | you discover that you don't need to pay anything |
| insurance at a rental car agency, make sure you have | | | | above what you already do for insurance, a bit of |
| spoken to your personal insurance agent or a | | | | forethought and planning can save you a lot of money |
| representative from the company that holds your | | | | at the rental desk. Your rental car may be temporary, |
| policy to make absolutely sure your policy covers | | | | but the savings will be permanent. |