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Is It Helpful To Add Rental Insurance To Low Cost Auto Insurance?

If you are heading out on a vacation, chances are good that you will be using a rental car. Even if you have low cost auto insurance, it still may be sufficient enough for you to not have to take out the additional offered auto policy that they when you rent the car. Making sure you know your limits, and to make sure that they are enough to cover the vehicle that you intend to rent, is something that you should do prior to leaving on your trip.

AutoInsuranceWhen you go on vacation sometimes you take the option to go “all out” in your rental. Meaning that you rent something that is pricey, but well worth the cost because the chances of you owning one on your own is probably not very probable. Your personal insurance coverage, the one you have existing for yourself, is calculated according to the vehicle that is on your policy. Therefore, it is estimated based on the cost for damage or replacement value of the car that you drive personally. If you are taking out a sports car, and drive a nissan, then the coverage that you already have may not be enough to cover any damages to your rental car.

If the car value is considerably more than your minimum liability insurance it will not be enough to cover the damage, therefore, adding the additional coverage at $8-9 a day may be well worth the cost just for the added protection. If your own policy does not have comprehensive damage, that could cause a problem as well. Comprehensive damage is damage that results in the absence of an accident. It is things that damage a car like flood, fire, theft or vandalism. Should one of those things occur while driving the rental car, if you don’t have that coverage on your own policy, it will not be covered for the rental car, leaving the responsibility all yours.

Sometimes, the credit card that you rent the car under will cover you in the case of an accident. It is best if using a credit card to check and see if there is any coverage available. It will save you from having to take out the additional policy. In cases like that, your primary insurance will pick up the liability to its full limit and then the rest will fall upon the credit car.

The most important part of making the decision is having all the right information about what is covered, and what is not. It is a good idea to contact your insurance company prior to leaving, with the information of the car that you intend to drive so they can give you the best advice on whether you will have enough coverage to protect yourself, or not. Making sure you are always protected with enough coverage, whether heading on vacation or not, is the best way to cover all your bases. Shopping for comparison quotes will give you the knowledge you need to know how to get the coverage you need for the price you can afford.

Go to the top of the page and input your zip code into the space provided to receive, within minutes, your free rate quote. Make sure you have the information to make the most informed choice for your auto insurance needs. Why overpay for your auto insurance premium if you don’t have to. Just because you have low cost auto insurance does not mean that it is not enough to be fully protected.