When traveling, renting a car is often a great way to be able to get where you need to go. When you rent a car, the company will offer you the ability to purchase insurance on the rental car. Before you agree to purchase or to pass on the insurance, it is important to know if there is any other way you could get the coverage you need. You do not want to drive a rental car without any insurance coverage because if anything happens while the car is in your care, you will be responsible for paying for the repairs out of your own pocket. The guide below walks you through a few of the insurance options to consider when renting a car.
Contact Your Car Insurance Company
The first thing you want to do is contact the company that you have car insurance with, if you have car insurance. Many car insurance policies provide you with coverage for a rental car. It is important to note that the coverage will only cover you as a driver and not anyone else who may be driving the rental car. Be sure that each driver has their own coverage to ensure that you are not stuck paying the bill if someone gets into an accident while driving the car that you rented.
Contact Your Home or Renters Insurance Company
If you do not have a car, but do have renter's or home insurance, contact that company to find out about the coverage they have available for you. Many companies have a non-owner liability policy available that you can get for the rental car. The non-owner policy covers the repairs that would need to be done to a vehicle that is involved in an accident when you are driving, even if you do not own the vehicle. When you get a non-owner liability policy, the insurance company needs to know specific information about the car to make sure that you are properly covered. The company will need to know the make, model, year, and where you plan to take the car before they can give you a quote for the coverage.
Be sure that you have proof of either form of coverage before you drive the car off of the lot. This will ensure that if anything happens while you are operating the vehicle, you can rest assured that you can get the car repaired quickly and easily.