Do I Need That Insurance Offered at the Rental Car Counter?

Do I Need That Insurance Offered at the Rental Car Counter?

Renting a vehicle is easier than ever. Most reservations, pricing and vehicle selection can be done online. There will still be a process, however, when you get to the car rental counter to pick up your vehicle. You will need to sign a number of papers, provide a valid driver’s license and credit card. You will also be offered a variety of options. One of the most crucial, and potentially expensive options you will be asked about is supplemental rental car insurance. Do you need this coverage? What are your options and when should you consider it? It will depend on your current personal insurance coverage and the credit card used to pay for the rental. Here are some guidelines.

What Type of Coverage do You Presently Have? 

It is helpful to know that generally, coverage you have on your personal vehicle will transfer to any car you rent.

If you have full comprehensive coverage on your personal car insurance, especially if it is above state minimum standards, you can usually feel comfortable passing on any supplemental car insurance at the rental counter. This is particularly true if your credit card company backs up your personal insurance with additional coverage. Something else to keep in mind, does your personal auto insurance provide coverage for loss of use should you and your rental car have an accident.That being said, there may be restrictions or limits on your coverage when renting a truck or luxury vehicle.

If you only carry liability coverage, your coverage may be supplemented by the credit card company used to pay for your rental. If you are unsure, it can be well worth getting the supplemental coverage. This is especially true if your liability limits are at state minimum.

Be Prepared

Selling supplemental insurance on rental cars generates a significant amount of money for rental car companies. If you are unsure of your coverage before heading to the rental car counter, you could make a costly mistake. This is just one reason why an automobile insurance review is so valuable. Rates and limitations are in constant flux with car insurance companies. A car insurance review can place you in the best position to take advantage of any discounts you deserve, while getting the coverage you deserve. It is also the time to review your limits and if you have sufficient coverage to take care of any concerns when renting a car. Call our independent agents to learn more today!


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

The National Death Index: The Ways We Die

Yes, Our Country Has a Death Index of the Most Frequent Causes of Death

Notable Car Racing Themed Movies

Charlie Chaplin to Elvis to Lightning McQueen Have All Starred in the Genre

Seven Dishes College Students Must Know How to Make

It May Not Be Fine Dining But It’s a Start

How Some Companies Built Brand Loyalty

From Toys to Trading Cards, Companies Have Tried it All to Build Loyalty

Surprising Product Origins

Success May Just Be a Mistake or Coincidence Away

Mathematics, Statistics, Odds and Life Insurance

The Odds of Certain Events Happening in Your Life

Wow! I Wonder What THAT Costs?

Check Out the Prices of These New Vehicles

Most Common At-Home Accidents

The Ways You Are Most Likely to Be Injured Around the Home

South America 101-: Interesting and Little Known Facts

Discover ore About This Large and Diverse Part of the World

Incredibly Successful Businesses Started by Women

Here Are Some $1 Billion Plus Companies Started by Women