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If you’ve ever rented a car before, you’re probably well familiar with the laundry list of extra coverage rental companies try to sell before you drive off their lot. When you’re in the moment, it’s difficult to know if you’re being taken for a ride or if you really need that extra auto insurance for traveling. Here are a couple of tips to help you know if you have the coverage you need or if you need a little extra.

Is the extra coverage worthwhile?

For many people who already carry an auto insurance policy, a primary auto insurance policy should generally cover rental cars when you’re traveling.

Here are a couple of things to keep in mind when you’re being asked to purchase separate insurance to cover a rental car.

  • Are you already covered by your primary policy? If you have questions about the exact coverage in your policy, just get in touch with us and we’ll go over your coverage with you.
  • You can avoid rate hikes in the event of a claim. Have you had some recent claims and you want to avoid the risk of a rate hike? Purchasing rental car insurance means that if you do have an accident or the car is damaged, you won’t have to report the incident to your primary carrier, which could result in a premium increase.
  • It’s affordable. Rental car insurance features primary coverage for comprehensive damage and repairs to the rental vehicle at an affordable cost per day.

Don’t leave your trip coverage to chance or buckle under high-pressure sales tactics. Talk to us about the coverage you have and the extra coverage you might (or might not) need and then make the decision before you step up to the car rental counter.

Post Author: Steve Sarantos

Steve Sarantos spent his first 20 years after education, working in the auto industry, retail, and importing from the orient. Most of the positions were sales, or negotiating with vendors, which gave him a wealth of experience working directly with people and what it takes to make things work for both parties.
When he decided to go into business for himself, insurance seemed like the perfect venue. Help people with something most knew very little about, get the right product for the right price. Everyone has to have it in or form or another, so all you have to do to be successful is be honest, keep your promises, and offer people what they want. Someone to talk to about insurance that will give them choices and straight talk.
After starting Reliable Insurance Network from scratch in 1996, it is now a thriving family business with clients in MN, WI, and AZ. Reliable Insurance Network continues to refine it's processes, use technology to stay flexible, and let clients work with them in whatever way is comfortable for them, and provide top companies and rates along with superior service so everyone is happy.