Posted on 8 Nov, 2014
If you are looking for the best deals on car insurance quotes, you might be feeling a little bit overwhelmed at all of your options. Here are five steps that can help get you started, and that make sure you get the best deal on the best coverage.
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Car insurance is easy to find if you do a simple Internet search. However, chances are if you go with the first company you click on you will end up paying too much. Here are some easy ways to save big.
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Comparing car insurance quotes is the most important thing you can do when it comes to saving money. However, it can seem overwhelming if you just dive in. Here are some tips to make this process easier.
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Car insurance quotes typically apply to your personal vehicle. If you are renting a vehicle you can purchase insurance from the agency, or you can follow these tips in order to save money.
Car Insurance Quotes and Rental Agencies
Renting a car can be a stressful event. Traveling usually entails a number of details to arrange, and car rentals are just another thing to add to the checklist. If you decide to pick one up when you get there, you have to worry about standing in lines when you're already tired from a long flight. Then, you are confronted by a sales person who is trying to get you to purchase their insurance for your rental. Many people just cave so they can hurry up and get on the road – but is this insurance necessary?
If you frequently rent vehicles, whenever you search for car insurance quotes , look for one that allows you to transfer your coverage to a rental. For occasional renters it probably isn't worth the effort of basing your car insurance decisions around this factor, but nonetheless you can call your insurance company to find out if its something your policy already offered. If this option works out for you, make sure you bring your insurance I.D. card with you. You will need to keep it in the rental car, and the rental agency will likely need to see it and make a copy. Typically this transfer coverage will provide the same benefits to a rental as it does to your own vehicle, assuming you are in the same country and are not using the vehicle for business purposes.
If your own insurance policy is not an option, you might be eligible for rental insurance under your credit card. Many major credit cards advertise rental insurance as one of the perks of having their card. However, generally this coverage only kicks in after your own personal car insurance limits, and only if you use the credit card to pay for your rental. Additionally, how much coverage, and what types, will be offered depends on the card. You will need to contact your credit card company before your trip in order to see if its offered and what the rules and limitations are. If you can, get this in writing and be sure to ask about the type of car – some companies will not pay for luxury or exotic car rentals.
Another option is to purchase a non-owners auto insurance policy. This is better for people who frequently rent vehicles. This type of insurance policy will provide you with the same type of insurance that the rental car company will offer with their Excess Liability coverage. If you are a frequent renter, these policies can save you a lot of money as they typically only cost about $300 year, and apply to any private passenger vehicle. Unfortunately this policy will not protect the actual vehicle from damages, so you will still need collision coverage, but it will provide bodily injury and property damage liability.
It is best to figure out what you are going to do before you get to the car rental place. If you do not know what they are talking about, it can be easy for them to talk you into purchasing their coverage. However, once you figure it out the first time, the work is done for your next trip!