One of the most common questions that is asked of an insurance agent is “Should I buy insurance when renting a car?” The car rental agency will often try to talk you into an additional policy when you rent the car. The agents are trained to make it seem like you need to purchase this insurance or you will not be covered if you have an accident in the rental car. This is not always the case.
It may be that you are already covered for a rental car with your normal auto insurance policy. Read through your current policy and find out if it includes coverage for these situations. If you are covered with this policy, you do not need to worry about paying for the coverage through the rental agency. Just make certain you inform them of your existing coverage and perhaps you will even need to give them your policy number.
Another way you could be covered is through a credit card. Some of the major cards include rental car insurance as a benefit for holding the card. This is another case where you need to look through your documentation and find out if this is the case.
No matter what your situation, talking with your independent agent is always a good idea. If you are located in or around Coppell or DFW Texas, let our agents discuss your options with you. We can run a real-time scan of your insurance options and we may be able to find you a better rate or find a policy that includes benefits such as rental car insurance. Come in and experience our excellent customer service and our dedication to meeting your needs. Auto insurance does not have to be a hassle when you work with us!
