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In the case that you need to rent a car, you’ll likely be presented with different options from your rental car company. Our providers of cheap car insurance near Rockford often receive the question of whether or not it’s worth it to opt for car insurance on a rental car.
Check Your Own Policy First
You may be surprised to hear that your personal auto insurance coverage could potentially extend over to your rental car as well. Certain coverages that the rental company offers such as LDW or CDW waivers (loss damage waivers and collision damage waivers) could end up being redundant.
If you’re still unsure about whether or not you should opt for coverage, consider the following pros and cons to help you make your decision.
Pros of Using Your Insurance
You won’t have to pay extra for coverage that you already have.
You already know your auto insurance provider and you trust its reputation.
No extra stress or paperwork required.
Cons of Using Your Insurance
It may not be adequate and you could end up paying a lot of money out of pocket in the chance that you get into an accident.
In the case that you are traveling abroad and need to rent a car, likely, your insurance will not be valid.
There could potentially be issues getting your claim approved on a vehicle that you don’t technically own.
The Bottom Line
We recommend opting for the car insurance from the rental company if you don’t have insurance or if your standard insurance does not cover rental cars. It’s also recommended if you are traveling or business or simply if you want peace of mind regardless of the cost. If you need additional information or assistance, please contact us at Insured ASAP today!