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Does My Car Insurance Extend To A Rental I’m Driving?

Every sort of service imaginable costs money, it’s just the way it works. It’s a tougher pill to swallow though when you’re already paying for a service that may or may not extend to other areas, like renting a car. If you’re out on the road and traveling, chances are you’ll need to rent a car at some point, if you haven’t done so already. When you’re signing the paperwork at the counter and ready to get the keys, the rental service representative will recommend that you purchase additional car insurance through their company. But wait a minute—won’t your current car insurance cover this car too? Not necessarily.



To get affordable car insurance that will follow you wherever you go, visit CoverHound today.



The Price of Car Insurance

Not all car insurance coverage plans protect their policy holders equally. If you’re paying an exorbitant amount toward your premium for minimum coverage, it’s time to rethink your insurance plan. Though insurance pricing is state-regulated, that doesn’t mean you’re getting a fair deal.



The average American pays just over $841 a year for car insurance, but in states like New Jersey and Michigan, auto drivers are paying significantly more than the national average. But even though some of us are paying more than the national average, are we getting more coverage? For some consumers, yes, and for other consumers, no.



Fortune Magazine reports in their article, “Are You Paying Too Much for Auto Insurance (no, this isn’t an ad)?” that policy holders willingly sign their new insurance contract without paying attention to the monetary spikes in their premium. This means consumers are paying more for their insurance coverage than they have to. If the national average is lower than your annual premium, you need to look into why you’re paying so much for coverage. To make sure customers like you are getting an affordable deal, we at CoverHound work with reputable insurance agencies to get our customers a fair deal and an excellent coverage package. So, which insurance policies include rental car coverage?



Rental Car Insurance: What You Need to Know

What you may not readily know about getting a rental car is that your current car insurance plan might already cover the rental car in the event of an accident. The rental car insurance the customer service agent promises is a good investment might just be duplicating your existing insurance coverage. Not only this, but your credit card company could even offer you rental insurance coverage and free collision protection if you use their card to secure the rental car. What does this mean for you? It means that getting rental car insurance could be a waste of money.



Insurance companies like Allstate, Geico and Allianz offer rental car insurance protection through their liability, collision and comprehensive insurance plans. Before you agree to purchase rental coverage, call your insurance agent to see if your car insurance plan covers a rental. If it doesn’t, contact your credit card company to see if using their card will. If neither offer coverage, then you know you’ve done all you could, and that you ultimately do have to get rental car insurance.



Car insurance is meant to protect you, not drain your resources. To save money on your car insurance plan, check out CoverHound today!

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