{"id":1224,"date":"2016-09-24T19:56:43","date_gmt":"2016-09-24T19:56:43","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=1224"},"modified":"2023-05-30T17:49:49","modified_gmt":"2023-05-30T17:49:49","slug":"rental-car-insurance-get-just-forget","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/understanding-auto-insurance\/rental-car-insurance-get-just-forget\/","title":{"rendered":"Rental Car Insurance \u2013 Should I Get It or Just Forget It?"},"content":{"rendered":"

When it comes to rental car insurance most of us don\u2019t know if we should get it or just forget it. Whether the car you rent is to be used as a loaner while your car\u2019s in the body shop, or you\u2019re flying out in the morning for a meeting and need a rental, or you\u2019re just renting a sharp set of wheels to impress your future in-laws\u2026you\u2019re going to be asked the same question? One that baffles most of us every time someone behind the rental car counter asks, \u201cDo you want the additional insurance coverage with that?\u201d The response is more than likely to be a blank look as we pretend to think it over. Truth is, we don\u2019t know. We were supposed to check with our car insurance company<\/a> the last time they asked us, but we didn\u2019t.<\/p>\n

We try to do the math in our head. It\u2019s already costing us more than we thought for the few days we intend to keep their car and, now we\u2019ve got to tack on an additional charge for their coverage, making the total even more expensive. What do we do? We just don\u2019t know. The majority of us own a car and we have a pretty good idea what our deductible is and maybe how much coverage we have. But, the issue is\u2026do we need more coverage for the rental car?<\/p>\n

A number of credit cards have that covered for us. If you\u2019re aware that a particular card in your wallet will take care of the rental car company\u2019s extremely high deductible or pay the remaining difference left after your own insurance company pays out, use that card only for your rental needs. It\u2019s always best to double check with the card company while you\u2019re there to know exactly what they\u2018ll insure, because many credit cards often tend to cover only collision, damage, and theft. You may be on your own when it comes to personal liability should you hit a pedestrian or injure another driver. Also, keep in mind, they can change many of their benefits without warning. It\u2019ll only take a second over the phone and you can quickly get the answer to stop you from making a costly mistake, one way or the other. The more you know, the better off you\u2019ll be.<\/p>\n

If you\u2019re fortunate enough to be an American Express cardholder you may want to check into their Premium Rental Car Protection policy. In many locations, for less than the cost of one day\u2019s rental damage waiver, you can pay for an entire rental period of up to 42 days \u2014 and, the cost is even less if you live in California<\/a>. In addition, you get $100,000 in coverage for damage and theft, plus $100,000 of Accidental Death or Dismemberment coverage, $15,000 for excess medical expenses and up to $5,000 for personal property loss. Again, check with AMEX<\/a> to be sure the numbers have not changed. The best feature of this plan is\u2026there is no deductible. Zip. Nothing. With this card and the Protection policy, you can look like the smartest guy on the block and respond with a \u201cno, I\u2018m good\u201d the next time they ask you that question.<\/p>\n

Although they won\u2019t tell you, rental car companies are required to build basic (and very limited) liability protection into their rates \u2013 which is why they always hit us up for more by getting us to purchase their additional coverage. The simple fact is, if you don\u2019t have a credit card that you definitely know offers rental car insurance, or you have absolutely no clue whether your car insurance company will cover all damages and possible injury claims, err on the side of caution and purchase the rental company\u2019s additional coverage. The peace of mind will be well worth it.<\/p>\n

Don\u2019t you think now would be the perfect time to make sure that you have the proper car insurance coverage for your needs?\u00a0 Why not get a free car insurance quote<\/a> today?<\/p>\n

Freeway Insurance is known for providing high-quality, low-cost auto<\/a> insurance options for all drivers regardless of their record or insurance history. Contact Freeway Insurance now for a fast, free, and personalized quote. Call 800-777-5620<\/strong> or request a free car insurance quote online.<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

When it comes to rental car insurance most of us don\u2019t know if we should get it or just forget it. Whether the car you rent is to be used as a loaner while your car\u2019s in the body shop, or you\u2019re flying out in the morning for a meeting and need a rental, or […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[51],"tags":[85],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1224"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=1224"}],"version-history":[{"count":7,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1224\/revisions"}],"predecessor-version":[{"id":8806,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1224\/revisions\/8806"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=1224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=1224"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=1224"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=1224"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=1224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}