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Rental Car Insurance

The type of rental car insurance that offers the appropriate amount of coverage for you depends heavily on how often you rent a car and the length of time you typically keep the car.

All rental car companies offer their own rental car insurance. But the problem with rental car insurance offered by the car rental company is it is the most expensive type of insurance for rentals. This is especially true if you rent a car twice a month or more. If you own a car, your current auto insurance policy may cover car rentals, but it may not be enough coverage, so it’s best to check with your insurance representative before waiving the car rental company's coverage. It is important to note that if you use a credit card to rent a car, the credit card company may offer rental car insurance as well. Check with your credit card company for clarification.

If you do not own a car, and you rent often, a non-owner auto insurance policy may be the most cost-effective option for you. A non-owner auto insurance policy will cover you during the rental period and it will cover you whenever you borrow someone else’s car as well. Simply put, a non-owner auto insurance policy will cover any vehicle that you may be driving at any given time.

Save on Rental Car Insurance

The terms for non-owner auto insurance policies can be confusing for some, and others feel that that the policy is an unnecessary type of coverage. The reason non-owner auto insurance policies may be considered unnecessary is mainly because most drivers’ auto insurance policies and rental car insurance automatically cover anyone who may be driving the vehicle.

This automatic or primary auto insurance is adequate if you rent a car or borrow someone else’s car occasionally. However, if you are not planning to purchase a car but instead you plan to borrow someone else's car fairly regularly or you plan to rent a car on a regular basis, you may benefit from purchasing a non-owner auto insurance policy. A non-owner auto insurance policy typically costs between $200 and $500 per year, compared to anywhere from $10 up to $40 or more per day for rental car insurance offered by the car rental company.

It is important to keep in mind that a non-owner auto insurance policy covers the policyholder only. Also, a non-owner auto insurance policy only provides "liability" coverage. This means that in the event of an accident, the auto insurance policy only covers bodily injury to others and property damage to other vehicles up to the policy limits.