When traveling, you may need to rent a car. If you have never done this before, you may be concerned about how you will insure your rental car. There are a few ways to do this, and the method you choose depends on your specific circumstances. Consider these three ways to insure a rented vehicle so you will have peace of mind when driving it.
1. Purchasing Through the Rental Company
Car rental services Missouri almost always offer a rental car insurance plan when picking up the car. In fact, it may be already added to the cost of the car rental. It is important that you ask about this insurance policy, noting what it covers and its limitations. For example, the policy may only cover you as the driver of the car and not your other traveling companions.
2. Understanding Your Personal Car Insurance Coverage
Fortunately, many personal car insurance policies also offer coverage for you when driving a rental car. However, it is always a good idea to know exactly what your insurance policy covers. This way, you can ensure that you have no lapse in coverage while renting a vehicle. The last thing you want is to have an accident in a rental car only to find out you are not covered under your personal insurance policy.
3. Checking Your Credit Card Fringe Benefits
Credit card offers must be competitive to attract new lenders. Because of this, many credit cards offer rental car protection as a fringe benefit. Be sure to read your cardholder agreement to see if this benefit is offered to you, and if so, what the terms of the agreement are.
When you do the right amount of research, you do not have to be confused when deciding what type of rental car insurance you need.