Renting a car for a long road trip or just for a few days can be a cost effective way to travel. Doing some research before arriving for pickup can save you time and money and give you peace of mind when out on the open road.
Do your research before stepping up to the counter.
This will save you from being pressured into buying coverage you may not need. When making the rental car reservation, ask the salesperson the company’s policy on insurance coverage and what types they offer. Some policies vary by company, state, city, and type of vehicle being rented.
My credit card covers me…right?
From the point of view of the car rental salesperson, this is the perfect time to draw in the extra insurance sales. Many renters are told that their credit card covers them in case of an accident, but beware of the fine print! Call your credit card company and ask them exactly what you are covered for.
I have insurance on my own vehicle…is that enough?
This is a good question to ask your insurance agent before arriving at the office. Coverage can vary depending on where you are traveling to and what kind of vehicle you are renting. While some drivers insurance carries over to a rental, it’s smart to find out the details before signing on the dotted line.
Ask your agent what your policy would cover for damage or theft of the rental vehicle, liability for injury and property, and what would happen in the event of an accident.