Call Us 877.277.9036 ☰ ˟
Logo
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto Quote Form (short)
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
    • Earthquake
    • Farm
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
      • Homeowner Flood Quote Form
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Earthquake
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Other
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
    • Frequently Asked Questions
  • About Us
    • About The Miller Insurance Agency
    • Location Map
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Icon Auto Icon Home
Icon Motorcycle
Icon Business
Icon Bonds Icon Boat & Watercraft
Home > Blog > Rental car insurance
TUESDAY, JUNE 4, 2019

Rental car insurance

There are more options for renting a car than ever before—bricks-and-mortar, peer-to-peer and membership-based car sharing services. While this means more choice for renters, it also creates more questions about insurance coverage. Use these tips to properly insure yourself when renting a car, and avoid wasting money on duplicative coverage.

If you're looking to rent a car, depending on your needs and location, there are a number of alternatives—the traditional brick-and-mortar companies, peer-to-peer car services and car sharing programs—each with its own insurance parameters. It pays to understand your existing coverage first, and then look at your rental insurance options.

No matter what company or what kind of company you're renting from, the most important step is to read and understand the car rental or car sharing agreement. Most companies clearly state what is covered as well as the supplemental coverage that can be purchased. If you don't understand, have the rental or car sharing company representative walk you through.

If you're renting a car, check your own coverages first

Before you enter an agreement with any type of rental service, maximize use of the insurance you're already paying for and avoid paying for duplicate insurance.

If you own or lease a car and/or have homeowners insurance, call your insurer to first check the following:

  • How much coverage you currently have on your own car – In most cases, whatever auto insurance and deductibles you have on your own car would apply when you rent a car (providing you are using the rental car for recreation and not for business).
  • If you still have collision or comprehensive – If you dropped these coverages on your own car as a way to save money on your car insurance, you may not be covered if your rental car is stolen or damaged. Insurance rules vary by state, so it is best to check with your insurance professional for the specifics of your policy.
  • If you are covered for administrative fees, loss of use or towing charges – Check to see whether your insurance company pays for—or provides a rider for—additional fees.
  • Whether your homeowners or renters insurance covers the loss of possessions – These policies (not your car insurance) generally cover your belongings if they are damaged or stolen out of your vehicle.

The credit card you use to rent a car may also provide some insurance. Though coverage is likely to be limited—for example, it may only cover the deductible if you make a claim—it's worth knowing what protections it will provide.

  • Know that benefits differ – Insurance coverage can depend on the company or bank that issues the card or even the level of card. For example, a platinum card may offer more robust coverage than a green card. If you have more than one card, you may want to compare what insurance they offer for car renters.
  • Contact the credit card issuer to find out what they cover – If you are depending on a credit card for insurance protection, ask the company or bank that issued the card to send you their coverage information in writing.
  • Credit card insurance benefits are usually secondary – That is, they will kick in after your personal insurance policy or the insurance coverage offered by the rental car company are utilized.

If you have any more questions on renting a car, your insurance coverages, or any of your insurance needs you can contact us today.

Source: Insurance Information Institute

Posted 9:53 AM

Tags: insuring your car everett washington, auto insurance in everett washington, rental car insurance everett washington, rental car insurance, insuring your rental, auto insurance agency everett, car insurance agent everett, insurance everett
Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014

  • insurance everett(44)
  • auto insurance quote everett(34)
  • insurance(32)
  • auto insurance everett(32)
  • car insurance everett(32)
  • home insurance(31)
  • auto insurance comparison(31)
  • auto insurance quote snohomish(29)
  • auto insurance quote(28)
  • auto insurance(28)
  • home insurance everett(28)
  • insurance quote everett(26)
  • auto insurance comparison everett(26)
  • car insurance snohomish(25)
  • insurance snohomish(24)
  • insurance quote snohomish(24)
  • auto insurance washington(24)
  • safeco auto insurance(22)
  • car insurance washington(21)
  • auto insurance comparison snohomish(21)
  • business insurance snohomish(20)
  • business insurance everett(20)
  • auto insurance snohomish(20)
  • progressive auto insurance(19)
  • car insurance comparison(19)
  • pemco auto insurance(19)
  • car insurance(19)
  • business insurance(19)
  • car insurance quote(18)
  • cheap auto insurance(18)
  • travelers auto insurance(18)
  • safeco insurance(17)
  • insurance everett wa(17)
  • commercial insurance everett(17)
  • cheap car insurance(17)
  • home insurance snohomish(16)
  • insurance washington(15)
  • home insurance washington state(15)
  • insurance agency everett wa(14)
  • commercial insurance snohomish(14)
  • progressive insurance(13)
  • home insurance quote everett(12)
  • travelers insurance(12)
  • renters insurance(12)
  • best home insurance snohomish(12)
  • cheap insurance everett(11)
  • insurance comparison snohomish(11)
  • home insurance comparison(11)
  • cheap home insurance everett(11)
  • insurance comparison everett(11)

View Mobile Version
Superior Service, Savings and Selection
Social Social Social Social Social
Quick Links
Home
Get A Quote
Customer Service
Payment Options
Report a Claim
About Us
Our Carriers
Testimonials
Blog
Contact Us
Location 3301 Hoyt Ave
Everett, WA 98201

--
Local: 425.212.3505
Toll-Free: 877.277.9036
Fax: 425.212.3506
Powered by Insurance Website Builder