What to Know About Rental Car Insurance

Rental Car Insurance San Diego

When you rent a car, one of the common questions that most rental car companies ask is if you want their rental car insurance coverage. Before you accept this coverage, it’s best to learn some of the basics of rental car insurance. Read on for some important information about rental insurance from a San Diego auto insurance provider.

Rental Car Insurance Is Not Always Necessary

While rental car companies may press you to purchase rental car insurance, frequently the coverage isn’t necessary. Though there are various types of insurance depending on the rental company, these packages usually cover expenses like stolen personal items or medical expenses in case of an accident, most of which are covered by homeowners and health insurance.  If you do not have health or homeowners insurance in San Diego, rental car coverage may be worth the extra expense, but otherwise it’s usually not worth it.

Your Regular Auto Insurance May Cover Rental Cars

Likewise, auto insurance policies may provide liability coverage in a rental car. As this isn’t always the case, be sure to review your current policy with your insurance provider. This way you can learn whether your current insurance applies to rental cars and what kind of coverage you would get. While most of the time high-quality providers will provide comprehensive coverage, you may find that you need to purchase supplementary insurance through a rental car company for certain situations. 

Your Credit Card May Cover Rental Cars

You may also consider contacting your credit card company to learn about coverage available. While this is a relatively unknown fact, the majority of major credit card companies, including Visa, will provide some rental car insurance. The catch with credit card insurance is that you are required to pay for the rental car with your card in order to receive that coverage.

As most San Diegans will need to rent a car for one reason or other, it’s important to be up-to-date on rental car insurance information to avoid paying extra money. If you do not have car insurance or are looking for a new auto insurance provider, turn to American Tristar Insurance in San Diego. As a top insurance provider in the San Diego area, we offer comprehensive car insurance, as well as motorcycle, RV, and health insurance. To learn more about our policies and how they apply to rental cars, give us a call at (619) 272-2100 and ask for a free insurance quote. We look forward to hearing from you!