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!

Let us shop your insurance needs.

Leave a Comment





9 Ways Gas Stations Have Changed Since the 60’s

March 27, 2020

Why a Non-Profit Needs Business Insurance

March 26, 2020

Life Insurance vs Burial Insurance

March 25, 2020

VIN Numbers and How to Decipher Them

March 24, 2020

Proving Losses in a Homeowners’ Insurance Claim

March 23, 2020

Tasks Those Under 21 May Not Know How to Do

March 20, 2020

Vehicles and Business Insurance

March 19, 2020

Life Expectancy Changes Through the Years

March 18, 2020

My Neighbor’s Tree Fell on My House. Who is Responsible?

March 16, 2020

Cyber-Security Tips for Small Businesses

March 12, 2020

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

March 10, 2020

Is “Bundling” Your Homeowners’ Insurance a Good Idea?

March 9, 2020

Becoming a Parent? Congrats! Now Hold On!

March 6, 2020

How a Video Security System Can Benefit Your Business

March 5, 2020

How Your Hobbies Can Affect Life Insurance Rates

March 4, 2020

How Maintenance and Homeowners’ Insurance Work Hand-in-Hand

March 2, 2020

Five U.S. Cities Growing in Popularity as Trendy Tourist Destinations

February 28, 2020

The Different Types of Insurance Companies

February 26, 2020

The World of Supercars – Driving on the Next Level

February 25, 2020

Some Surprising Ways Major Cities Got Their Names

February 21, 2020

Independent Insurance Agents and Business Insurance

February 20, 2020

How Effective is Automobile Safety Equipment?

February 18, 2020

Jewelry, Termites, and Flooding: What Your Homeowners’ Insurance May Not Cover

February 17, 2020

Classification Codes and Their Impact on Business Insurance

February 13, 2020

Six Benefits of Life Insurance

February 12, 2020

You “Auto” Keep an Eye on It: Pros & Cons of Automatic Car Insurance Payments

February 11, 2020

What Are the Odds? Chances of a Natural Disaster Hitting Your Home

February 10, 2020

Best Places to Spend Valentine’s Day

February 7, 2020

What’s the Difference Between a Contract Worker VS Employee?

February 6, 2020

How Many of Us are on Drugs? Startling Prescription Statistics

February 5, 2020

4 Misperceptions about Automobile Accidents

February 4, 2020

Six Interesting and Bizarre Museums Across the Country

January 31, 2020

What to do When Striking a Large Animal with Your Vehicle

January 28, 2020

Six Ways Your Homeowner’s Insurance May Protect You That You Weren’t Aware

January 27, 2020

Six Ways to Better Protect Your Business in the New Year

January 23, 2020

What You Should Know About Accidents on Private Property

January 21, 2020

Memorable Big Game Halftime Shows

January 17, 2020

When “Oops, sorry” Isn’t Enough.

January 16, 2020

The Four Main Players in a Life Insurance Policy

January 15, 2020

What You Should Know About Insuring a Classic Car

January 14, 2020

What Do You Collect?

January 13, 2020

Business Insurance and Your Employees

January 9, 2020

Foundations of Health Insurance

January 8, 2020

Seven Factors that Affect Your Homeowner’s Insurance Rates

January 6, 2020

Five Life Insurance Resolutions for 2020

January 1, 2020

Do You Know How Much Your Home is Worth?

December 30, 2019

When is a Business No Longer Considered Small?

December 27, 2019

When Term Life Insurance Makes the Most Sense

December 26, 2019

Away From the Theme Parks: Five Unusual Places to Visit in Florida

December 20, 2019

Why You Need Commercial Insurance Even if You Rent Your Business Space

December 19, 2019

Can You Buy Life Insurance on Someone You Don’t Know or Like?

December 18, 2019

My Friends Wouldn’t Sue Me, Would They?

December 16, 2019

“Waiver of Premium” and Other Benefits Your Life Insurance Policy May Include

December 11, 2019

Detroit is North of Canada and other US Geographic Trivia

December 6, 2019

No-Fault Insurance Basics

December 3, 2019

Odd, Unusual and Unique Things That Have Been Insured

November 28, 2019

Forgotten Sports Franchise Moves

November 22, 2019

How Do My “Toys” Affect My Insurance?

November 20, 2019

American Landmarks: Why Did They Build That There?

November 19, 2019

They Don’t Make Cars Like They Used To…and That’s a Good Thing!

November 18, 2019

Contact Us

-CONTACT US

OUR LOCATION

Have A Question?

We have an answer. Call us at 1-(720) 442-1544

1940 Ionosphere St. Suite A, Longmont, Colorado 80504

1-(720) 442-1544

© Copyright 2020 CYA Insurance  |   All Rights Reserved
Site by ICA Agency Alliance

1940 Ionosphere St. Suite A, Longmont, Colorado 80504
1-(720) 442-1544

© Copyright 2020 CYA Insurance  |   All Rights Reserved
Site by ICA Agency Alliance