I have car insurance, do I still need to buy rental car insurance?

 I have car insurance, do I still need to buy rental car insurance?

Auto insurance can often be confusing and many people wonder what kind of insurance they actually need. What should I cover and should I also purchase car rental insurance?

Here's everything you need to know about car rental insurance and what it covers. Hopefully this gives you enough information to know if car rental insurance is essential for you or if your current general insurance is sufficient. Understanding car rental insurance

Car rental insurance is typically an optional coverage that you can purchase when you rent a car. It usually starts when your car is fixed and is usually a small daily payment until your car is fixed. Unfortunately, this can negatively impact your current car insurance policy.

The main benefit of this policy is that it reduces the amount you have to pay to rent a car under repair. It also helps fund necessary repairs to your rental car in the event of an accident while driving. Even better, it can really help if you've severely damaged your rental vehicle and need a full replacement.

As already mentioned; taking advantage of this optional coverage can have a significant impact on your current car insurance policy.

Review your current insurance

If you look at a typical car insurance quote, you'll find that most include rental car insurance. Coverage isn't always extensive, but it does cover things like renting a car in case your car gets repaired. If you need a rental car, your current insurance policy should be able to pay for it. So, if you decide to purchase optional car rental insurance and end up claiming it without claiming your original car insurance policy, your policy could be adversely affected. It may even increase the price of your original insurance. So, before agreeing on anything, you must think twice.

The only time you need additional coverage is if you're driving a really old car. Auto insurance for older cars is usually pretty simple. This means rental car damage is not covered, so it's worth considering car rental insurance.

Comprehensive rental car insurance is a good idea, but it's usually covered by your existing car policy in most cases. So, if you're looking for cheap car insurance, remember that most include some form of car rental insurance and you don't necessarily need to purchase additional coverage. 

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