Whenever it comes to renting a car there are a few things that you have to think about. One of the number one things that you have to think about, besides trying to find the perfect company to rent from, is your car rental insurance. Whenever you rent a car, something could go wrong, and when it does you want to make sure that you are covered. That is why today we are going to cover a few things that you need to keep in mind when looking at car rental insurance. These tips will help you in finding the best car rental insurance for your money.
First of all, you need to find out the charges for using car rental insurance. Every rental car company is going to have their own different rates for car insurance. You need to make sure that you find the rates that fit your budget. Most of the time insurance usually ranges from about $10 to $30 a day; however, rates are subject to change. Of course, your insurance company may not always pay for car rental insurance. For example, if your insurance is renting you a car, while yours is being worked on, then you may still have to pay for car rental insurance, so be sure to budget accordingly.
Next you need to make sure that you find out all of what is covered. There is nothing worse than thinking that something is going to be covered by car rental insurance and then it is not. Thus, ask if your policy is for collision only, or if it also has liability. You should also see if it has content and medical costs coverage as well. These are all different types of coverages, and just like the rates, they are going to vary by car rental company. The most important thing that you need to remember is that you have to make sure that you get car rental insurance that is worth it. Having limited car rental insurance is almost as bad as not having any in the first place.
Your next step is to make sure that you have the company clarify what collision truly means to them. Here is where you may need to read the fine print of your contract. A lot of times you may have to pay for things that you thought were covered. For example, some policies will cover things like a cracked windshield or a blown out tire; others will not. Thus, you will want to know what you are going to have to cover and what you will not.
Next, you need to make sure that you know your policy exclusions. Some policies pay only if you can prove that it was not your fault at all. Sometimes other companies pay no questions asked. Thus, you need to find out what your policy is before you start driving the car. It is always better to be safe than sorry.
Be sure to ask about boundaries as well. Some car rental insurance companies give you certain boundaries that you have to watch out for, meaning that some may be good only in the state of Texas or wherever you rented the car. Others may be good for the whole country or even anywhere in the world. Make sure that you know where you are covered and how you are covered.
In the end it is pretty easy to see that car rental insurance is very important. It is also easy to see that this is a type of insurance that you do not want to skip out on.
