Car insurance quotes for rental cars
Using a rental car is always connected with additional cost and risk. This is especially important when speaking about car insurance. Most rental companies offer additional car insurance on the vehicles they offer, but this insurance can double your rental rates – something undesired by those who are looking for cutting down their costs. In situations like these, people start wondering whether they should buy rental car insurance or their existing policies will cover the damage to rental vehicles?
The first thing to do when dealing with rental car insurance is to review your auto insurance policy and check with your credit car company. This should be done before you go to the rental company, so that you are well aware of your coverage options. It would be unpleasant to find out that your personal auto insurance policy actually applies to rented vehicles after you have spent additional money on getting insurance from the rental company, don't you think? The better you are prepared the easier it will be for you to cut your costs.
In case you're renting a car for personal use and not business, then usually the coverage you have with your car insurance policy for your personal car will also apply to the rental vehicle. This is especially useful in case you have collision/comprehensive coverage with your policy. In case you don't the rental vehicle becomes vulnerable for accidents that are at your fault. It's recommended to consult with your insurance company if they have any temporary raiders that may be purchased specifically for covering rental vehicles without modifying your main insurance policy.
Rental car insurance can also be provided by your credit car company. But unlike car insurance, the extent of coverage you can get through credit card greatly depends on the specific credit card type, the insurance company, rental company and the bank that offers you the credit line. Usually, when getting coverage through a credit card the only thing that will be covered is the rental vehicle, excluding your personal belongings, injuries or liability to third parties. So it's strongly recommended to check with every provider you have credit card with in order to get all the details right.
You should also consider the rental company car insurance as an option since it may provide additional protection for your personal belongings. Sometimes it doesn't add that much to the actual rental rate so you should definitely consult with the rental service worker in order to find out what exactly is covered through their insurance.