Should You Get Rental Insurance When Renting A Car

Should You Get Rental Insurance When Renting A Car
Rental Car Insurance: Do You Need It?

If you have ever rented a car for a short period of time, whether during a vacation, a business trip, or while your own automobile was being repaired, you have probably faced the question of whether to take out insurance at the rental agency desk when you rent the car. Paying your rental company for insurance on your rental car is necessary sometimes, but not always. In fact, much of the time rental car insurance ends up adding some fairly steep fees onto your rental even though the coverage you?re paying for may be completely redundant.

To know whether you need to write a check for the hefty chunk of change that many automobile rental companies collect for insurance coverage, all you need to do is spend a bit of time finding out exactly what kind of coverage you already have. In many cases, your regular auto insurance is more than sufficient to protect you financially if you do damage a rental car. Anyone who owns an automobile of their own has an insurance policy that gives them some level of coverage in case of damage to the car from an accident, theft, vandalism, or other mishap. It varies a bit from policy to policy, but most of the time this same coverage will apply to a car rented in the policy owner?s name. This means that if your car is fully insured, any rental car that you drive will probably be just as well covered as your personal automobile.

Of course, before you turn down added rental insurance at a rental car agency, make sure you have spoken to your personal insurance agent or a representative from the company that holds your policy to make absolutely sure your policy covers rental cars. If your auto insurance doesn?t cover your rental, you could be left holding a bill for tens of thousands of dollars. This kind of costly mistake can be easily avoided just by making one phone call in advance. Even if you are not planning to rent a car in the near future, it is not a bad idea to find out today whether your policy covers rental cars. That way, all the necessary information will be there for you when you need it.

Even if your regular insurance plan doesn?t adequately cover rental cars, you don?t necessarily need to pay the high insurance fees that a rental agency will probably charge. There are plenty of options to make sure your temporary wheels are covered in case of a collision or other cause of damage to the car. In fact, you can get a much better rate than a rental agent is likely to offer you even if you don?t own a car of your own. There are specific policies that insurance companies offer for customers who rent cars frequently. A non-owner auto liability insurance policy provides affordable and usually quite comprehensive protection for rental drivers who do not own cars. If you don?t have personal automobile insurance that already covers rentals, one of these can offer you the security of knowing you are fully covered without the steep prices of rental agents? insurance packages.

Whether you find out that you need to take out a non-owner auto liability insurance policy, or whether you discover that you don?t need to pay anything above what you already do for insurance, a bit of forethought and planning can save you a lot of money at the rental desk. Your rental car may be temporary, but the savings will be permanent.

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The Real Cost Of Motor Vehicle Theft
Ever had a car stolen? Did you collapse, broken-hearted, on the floor when told that its burnt-out chassis had been found at the bottom of a dry creek bed and was now home to a family of very large rats? The stereo was gone, the seats were gone, the woofers, gone. And the fluffy dice ? they even took the dice!

No more ?DOOF-DOOF?, no more dice
No more back seat paradise?

I know ? you were much younger then?.

The negative impact caused by car theft spares no one. Its effects are felt right across the community. For example, an increase in motor vehicle thefts means an increase in motor vehicle insurance claims and this ultimately leads to a rise in motor vehicle insurance premiums.

But it doesn?t stop there. Even those who don?t own a vehicle end up bearing the cost of motor vehicle thefts indirectly as taxi fares, bus fares, even school excursions become more expensive. And if you believe you?ve been excluded from these increased costs because you walk or cycle everywhere, think again.

Higher motor vehicle insurance premiums mean higher transport running costs, which lead to higher freight charges, and this translates to higher prices on the supermarket shelves.

And let?s not forget the individual. The poor motorist who has had his car stolen must now cop a reduction in his No Claim Bonus as well as pay a hefty excess. If he relies on his vehicle for work there is also the alarming prospect of a temporary loss of income.

So what can be done to combat these heinous crimes?

Many new cars these days have built-in anti-theft devices such as car alarms, engine demobilisers and wheel nut locks. Even so, there are several things car owners can do to prevent the their vehicles being stolen.

? If your car doesn?t come with an anti-theft device, buy one.

? When parking on the street at night, always choose a well-lit area.

? That anti-theft device that you bought?use it!

? Never leave items that may be tempting to a thief in plain sight. These may include department store shopping bags, mobile phones, wallets, gifts or other valuables. If such things absolutely must be left in the vehicle, hide them away in the glove box, boot or even under the seats.

? This may sound obvious but keys should never be left in the ignition. Many a car has been stolen from right under its owner?s nose simply because the key was left in it. Even if you?re just popping in to pay for the petrol you just pumped, take out the key. Theft of your vehicle will take less than ten seconds with the key already in the ignition.

? If you have a garage, put your car in it instead of the pool table. And, having done that, don?t forget to lock it.

? If you don?t have a garage, park in the driveway instead of the street. (If you don?t have either? have you considered a pushbike?)

? When leaving the vehicle unattended at home, take your car keys with you.

? If leaving the car with a mechanic for maintenance or repairs, only leave the ignition key with the car.

? Never leave spare keys in or on the vehicle.

? Don?t leave important papers such as registration, license or mail in the vehicle while unattended.

If, even after being as careful as possible, your vehicle is stolen, report the theft immediately to the police. They will take details of the vehicle, where it was parked and for how long, as well as information about any items that may have been inside it at the time.

You will then need to make a claim through your insurance company ?assuming you have comprehensive motor vehicle insurance, of course ? as soon as possible. These days many insurance companies allow you to report the claim online as well as in person or over the phone. The important thing is to do so promptly, giving as much detail as is available so as to help streamline the process.

Once the claim is reported, a claims officer will most likely contact you within a day or two to confirm the information. If accepted, it may then take up to a further six weeks to pay the claim if the vehicle is not recovered. If it is found within that time, the vehicle will be assessed as to whether it can be repaired and, if so, at what cost. If the repair costs would be more than the vehicle is worth, it will be deemed a total loss and the claim paid for the insured value less any excess.

Any way you look at it, motor vehicle theft is a crime that causes loss and anxiety in several different ways. The best we can do is take as many steps as we can to prevent it and support car manufacturers that provide security devices in their cars.

As for the car thieves?placing them in stocks and throwing rotten tomatoes at them springs to mind?

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Online Car Insurance Advice
Stop wasting money and cut your car insurance bills in half! There’s no reason why you shouldn’t consider purchasing online car insurance. Buying online car insurance is extremely easy and very convenient. It’s an extremely fast process and only requires filling out a simple form. Everyone knows that shopping around is the only way to find a good deal and save money. What’s the fastest way to shop? Well, you can look through the phone book and dial phone numbers only to get an automated message or you can use the internet to multiply your efforts. Buying online car insurance has literally no drawbacks. All you need is a computer with an Internet connection. After you have found a quote that you like, purchasing online car insurance allows you to accept the quote right then and there or save your information and come back later. I would recommend using as many web sites as possible to make sure you find the lowest premiums. There’s plenty of online car insurance providers out there and the more time you put into it the better the outcome.

Online Car Insurance Features:

• Save Time: One of the many great features of shopping for online car insurance is the ability to start your insurance application, save it, and finish later if you get pressed for time.
• Privacy: Privacy while shopping for online car insurance is taken very seriously. Any information you provide is kept secure with encryption technology.
• Your credit score won’t be affected by applying for online car insurance.

Here are some great ways to reducing premiums:

• You can combine you and your partner’s insurance if married.
• You can install anti theft devices in your vehicles.
• You can take advanced driving courses that enhance your driving skills.
• Paying annually for your policy as apposed to monthly. Check for insurance companies that offer discounts for being affiliated with particular organizations or companies. Example: Some credit card companies offer discounts on auto insurance.
• Insuring all your vehicles, home and valuables with the same company may earn you a loyalty discount.
• You can save around 15 to 30 percent by increasing your deductible! What are the odds of you getting in an accident? Just put your deductible away in a savings account and save it for that rainy day.
• Drop collision and comprehensive and just stick with liability. Especially if you have an old car because the value of your car won’t add up to all those previous payments you’ve been making.
• Maintain good credit

Things to remember when shopping for online car insurance:

• Make sure that they can actually provide an insurance quote for the state you currently reside in.
• Always double check the information you provide on the insurance application. All it takes is the smallest error to affect your rates.
• Make sure the insurance company is reputable. Future claims are only honorable if your company still exists.
• You’re never under any obligation to accept any insurance quote provide.

So what are you waiting for? Fill out some forms and save some money. Good luck, live well, and prosper!

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Autos Insurance
411autos.com provides a list of companies who provides auto and other related insurance. Insurance dealers are available online and can be cross checked you re your states. You can compare prices and features available and various offers available on automobile insurance from a broad number of insurance providers. Some of the insurance related websites are: Insure.com, it is an official site for auto insurance. You can view instant quotes online of over 200 companies. They can buy quotes from company of their choice. www.instantcarinsurance.com offer instant online car insurance quotes from multiple insurance carriers. It also gives an option to purchase the policy you want online. Many websites offer free quotes for customers. www.hometownquotes.com provides great rates on auto insurance. Fill out one simple form for multiple quotes from local agents. The service provided is fast, secure and easy. www.localinsurance.com offers its customers up to three quotes within minutes by phone or e-mail from the nationwide network of insurance professionals. www.quotemonster.com helps in finding out free auto insurance quotes. You can instantly shop and compare over 110 companies and save up to 70% online. Many promotional offers like gifts, booklets or discounts are given by various companies to attract customers and to come up in cut-throat competition. The companies that understand the need of customers emerges as winners provided the services should be fast and easy. The terms and conditions as well as registration methods should be simple so that it saves time of customers.

Lee is well known author who writes for autos for more information visit to www.411autos.com

Online Auto Insurance - Getting It Cheap Has Never Been So Easy
That?s a phrase that will get any car owner?s attention. Whether you are the sole driver on your insurance plan, have recently added a new teenage driver, have had multiple vehicle accidents or none at all, finding cheap car insurance is a goal for all drivers. Driver?s want the best insurance coverage at the lowest cost possible, whether they meet their insurance agent in person or use online car insurance. So how can they achieve that goal?

Well, a raw search for cheap car insurance is one way to start. A few companies that claim to provide cheap car insurance and can be found online include http://www.ezquoteguide.com. This is a company that gives only online quotes and is powered by the largest network of insurance providers in the world.

However, there are two markets to consider when searching for cheap car insurance?the hard market, or the ?seller?s market,? and the soft market, or the ?buyer?s market.? During a hard market, rates climb and insurance is harder to find than during a soft market, when more insurance agencies are competing for business and rates drop. When looking for cheap car insurance, obviously you?ll want to do so during a soft market. Agencies will be lowering rates in order to compete with each other; thus, you?ll find the best coverage for you at the lowest available price.

In order to determine whether or not a hard or soft market is in progress, simply pay attention to what?s going on with insurance companies. Are rates becoming more affordable? Are they offering coverage on a much wider array of individuals/property/etc., even things for which you haven?t normally seen coverage available? And is the competition among insurance companies obvious, i.e., companies are offering to match prices, or even go lower, than other companies? If so, you are probably in the midst of a soft market and a good time to find cheap car insurance.

After all, they don?t refer to the soft market as the ?buyer?s market? for nothing!

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Grey imports show true sticking power, says Swinton
Swinton Specialist motor insurance experiences 18% increase in enquiries for non-standard motors in the last 12 months Yesterday s boy racers are growing up, but instead of ditching their beloved Japanese imports, like the ever-popular Nissan Skyline, and opting for something a little more refined, they re sticking to their beloved motors. The UK s largest high street motor insurance broker, Swinton, is launching Swinton Specialist, a dedicated team to handle the upsurge in customers seeking quotes for non-standard motor insurance. Swinton believe that this boom is due to the reluctance of drivers over 30 to give up their modified cars. In the last 12 months Swinton has seen a 18% hike in demand for specialist motor insurance quotes and the new division will handle enquiries for all modified, high performance, imported and other non-standard motors. Grey imports ” cars not available in this country ” are remaining massively popular, with exclusive Japanese motors more desirable than ever. Far from being a passing phase in the performance car market, as speculated by some, following the release of films such as the Fast and the Furious, their popularity has soared. The car s high specification and excellent value given the strong UK pound is coupled with the trend for short-term car ownership and low corrosive driving conditions in Japan ” leaving them in prime condition for UK owners. Neil Ackinclose, head of Swinton Specialist, commented: “Performance cars have never been more popular in the UK and we are launching Swinton Specialist to provide motor insurance for this growing market. The internet has become THE market place for car sales, and this has opened up the international car market to UK buyers.” But it s not just yesterdays boy racers who are snapping-up Japanese imports according to Swinton, who have seen a resurgence of men and women in their 20s making the most of low interest rates to buy specialist cars. “We continue to see growing interest from the younger end of the market, where customers have high disposable incomes and credit is easily obtainable,” says Swinton s Neil Ackinclose. “Japanese Grey imports lend themselves excellently to this market, especially when prices can start for as little as 2k! “We also believe that high house prices have barred many twenty-somethings from getting on the property ladder, meaning their money is freed-up to spend on nice cars. Importing is now extremely popular as it offers excellent value for stylish, individual machines.” Swinton has also seen a steady increase in the number of modified and high performance cars on their books. Swinton Specialist searches through specialist schemes from top motor insurers and offers low premiums to owners of modified and performance cars ” with great deals on modified cars, performance cars, grey imports, and penalty pointed drivers. Value-for-money premiums are also available for cars with limited mileage, for owners belong to car clubs, as well as those with good security and tracking devices. Swinton s Top-10 grey imports: 1. Nissan Skyline (Japan) 2. Mitsubishi Lancer Evolution (Japan) 3. Subaru Impreza (Japan) 4. Toyota Supra (Japan) 5. Mazda RX7 (Japan) 6. Mazda MX5 Eunos (Japan) 7. Honda Integra (Japan) 8. Mitsubishi Pajero (Japan) 9. Cadillac EXT (USA) 10. Ford Mustang (USA)

Swinton Colonnade is the biggest insurance broker on the high street, with branches covering 90% of the UK.

Discount Auto Insurance - Some Hints And Tips To Help You Save Money Online
With the ever rising costs associated with driving, it is always nice to save money whenever and wherever you can. Unfortunately it is hard to find cheap car insurance that doesn?t skimp on quality and service. Usually in life, you get what you pay for and car insurance is one area of your life that you really can?t afford to have mediocre coverage. The last thing that you want is to get into a car accident only to find that your deductible was higher than the damage done to your car.

Finding cheap car insurance doesn?t have to mean you compromise where quality is concerned, but it does mean you have to do your homework to assure that the coverage you receive is adequate to all your needs.

The first step in finding cheap car insurance is to compile a list of all the discounts you could be eligible for. Are you a good student? Do you have a safe driving record with no tickets or accidents? Are you married or over the age of 25? Do you live in a location that traditionally receives lower insurance rates? So you have more than one car to insure? Have you taken any safe driver courses? Do you have any other non auto insurance needs that can be met by the same agent that insures your car, perhaps making you eligible for a discount? Are you retired? Does your vehicle have safety features such as antilock breaks, airbags, or automatic seat belts? Have you installed an alarm system in your car? Is your vehicle?s primary use on a farm or ranch? Are you in the military? Are you driving an economy or hybrid car? Depending on how many of these questions you can answer yes to, the cost of your car insurance can be drastically reduced.

Once you have determined which discounts you should receive, prepare to shop around for the best insurance quote. You can call around to several different agencies and talk to individual agents, or use an insurance search engine online that allows you to input your location, type of vehicle, and the discounts you have earned so it can give you several different quotes from competing agents.

Finding cheap car insurance does take a little bit of work, but with a little perseverance, it is possible to find quality insurance at a price you can afford.

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