Have you ever rented a car for a road-trip or a holiday? Doesn’t the rental agent leave you all confused by throwing a million things at you all at once? They’ll ask you for tourist tax, sales tax, fuel surcharge, collision damage waiver, insurance coverage; on and on and on. Your best bet to stay away from all this confusion is to be aware of what Rental Car Insurance is all about the next time you go to a rental car agent. And since you’re obviously here with us on Quotella, you’ve come to the best place possible to get all the information on rental auto insurance, and then some more.

 

Let us start by saying that insurance for a rental car is not as simple as it sounds. Rental auto insurance contracts involve a lot of technicalities that can be a little too complex at times to understand for a layman. Nevertheless, you still need to be well aware before you buy rental car insurance, or you could find yourself in a fix when the situation for filing a claim actually arises.

No matter what your rental car agent tells you, the law requires you to purchase only liability insurance for your rental car, and all other types of coverage are optional. Opting for just the liability insurance could only add about $10-12 to your cost. It is the other optional insurance coverage that really add to the cost like passenger and rental auto insurance, which could set you back by $30-35 a day. Of course, the type of car you rent will also impact this cost.

You don’t necessarily have to buy rental car insurance every time you rent a car. There are options you may not be aware of that cover the insurance costs of your rented vehicle. For instance, if you pay for the rental car through your credit card, your credit company might pay for the insurance too. However, make sure you check with your credit card company before you go ahead and charge that insurance, since it may differ from company to company. Also, if you already own an auto insurance policy that provides liability coverage, it’ll probably cover your rental car too. You could also compare rental car insurance quotes from several insurance agents before zeroing down on one. So before you buy rental car insurance, make sure you check all the other options available to you too.

 

Ok, so you have considered all options and have decided to go with insurance for rental car by your rental agent. No problem! Rental car companies have a variety of options for their customers - different rental auto insurance coverage, waivers for better liability coverage such as Loss Damage Waivers and Collision Damage Waivers and other excess insurance coverage. They may also provide coverage in case of accidental death and loss of personal property as part of the rental auto insurance but make sure you don’t already have these covered under your life, health or homeowners insurance policy.

 

Keep in mind that just because you are purchasing rental car insurance from the rental agent himself, doesn’t mean that you have to buy everything he puts on the table. Keep your options open, analyze the type of risks you anticipate during your usage of the rental car and check what all is covered under the other insurance policies that you already own.

 

The best way to look for affordable rental car insurance quotes is to log on to Quotella! We’ll connect you to the leading rental car insurance agents from across the country. So start saving with Quotella today!