Should You Get Rental Insurance When Renting A Car
by Mika Lindt
Rental Car Insurance: Do You Need It?
If you've ever rented a car for a brief time period, regardless of whether during a vacation, a business trip, or when your own automobile was being fixed, you've probably confronted the question of whether to take out insurance at the rental agency desk when you rent the car. Paying your rental company for insurance on your rental car is necessary at times, but not always. In fact, a lot of the time, rental car insurance ends up adding some fairly steep fees onto your rental even though the coverage you're paying for may be completely redundant.
To know if you have to write a check for the hefty chunk of change that several automobile rental companies collect for insurance coverage, all you need to do is spend a bit of time discovering exactly what type of coverage you already have. In several cases, your regular auto insurance is a lot more than sufficient to protect you financially if you do damage a rental car. Anyone who owns an automobile of their own has an insurance policy that provides them some level of coverage in the event of damage to the car from an accident, theft, vandalism, or other mishap.
Of course, before you turn down added rental insurance at a rental car agency, make certain you've spoken to your personal insurance agent or a representative from the company that holds your policy to make completely sure your policy covers rental cars. If your auto insurance does not cover your rental, you could be left holding a bill for tens of thousands of dollars. This kind of costly mistake could be very easily avoided simply by making one telephone call in advance. Even if you aren't planning to rent a car in the near future, it isn't a bad idea to find out today whether or not your policy covers rental cars. This way, all of the essential information will be there for you when you need it.
Even if your regular insurance plan doesn't adequately cover rental cars, you don't always need to pay the high insurance fees that a rental agency will most likely charge. You will find plenty of options to make certain your temporary wheels are covered in the event of a collision or other cause of damage to the car. Actually, you can get a far better rate than a rental agent is likely to offer you even when you do not own a car of your own.
Whether or not you find out that you have to take out a non-owner auto liability insurance policy, or whether you find out that you don't have to pay anything above what you already do for insurance, a little bit of forethought and planning can save you a great deal of cash at the rental desk. Your rental car may be temporary, but the savings will be permanent.
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