How to Keep Car Rental Insurance Worries from Ruining Your Vacation

Do you want need the extra insurance when renting a car on vacation?

We have all been there – standing at the rental counter – wondering what exactly our personal insurance already covers and questioning the necessity of purchasing additional rental insurance.

So what should we do? The answer is as simple as taking steps to understand what type of insurance you may already have prior to planning a vacation.

Know what your insurance already covers.

It is possible that the coverage you already have car will extend to include a rental car, but it is important that you review the details with a Cronk Insurance specialist first.

Liability Coverage: Depending upon the amount of liability coverage you already have, this insurance could protect you if you damage property or injure someone else while driving.

Collision/loss damage waiver (LDW or CDW): This waiver, although technically not insurance, may help cover the cost of repairing a rental car if you damage it. (It is important to note that LDW and CDWs typically exclude damage if it is caused by speeding or driving on roads that are not paved.)

Personal Effects Coverage: If you have renters or homeowner’s insurance, it may already cover personal effects such as a computer, clothing or other items that could be stolen from a rental car or damaged in an accident.

Know your credit card company’s coverage.

If you plan to pay for your rental with a credit card, be sure to contact your credit card company prior to leaving for vacation. Some credit card companies offer insurance coverage for purchases that may include rental car coverage.

Understand what the Rental Car Agreement says before you sign it.

If the agreement says it will charge you for Loss of Use or lost rental income if the car is damaged and requires time in a repair shop, or Diminution of Value due the fact that the car’s value is decreased following an accident, you may want to seek additional coverage as most auto insurance policies do not cover this type of loss. While reading the agreement keep an eye out for these type of charges as well as others that you could be charged if the vehicle is damaged.

Take pictures!

Everyone has a cell phone right? Then when you do your initial walk around of the rental car, take lots of pictures. Take them from angles where you will see existing dents. Any existing scuffs or damage get close ups and also pictures far enough away to show where they are located on the vehicle. Then, when you return the car, do the exact same thing. Don’t leave it up to a rental car employee who’s in a hurry to do this for you. As they say, a picture is worth a thousand words and this simple step could save you some big headaches down the road.

Don’t find yourself standing at the rental counter next vacation without all the answers.

Plan ahead for your next vacation by talking to a Cronk Insurance Specialist at (814) 456-7501.

Auto Insurance Quotes Comparison

With nearly every insurance provider offering online quotes with comparison tools, getting an online auto insurance quote comparison is almost too easy. Understanding everything your quote includes, however, is something else entirely. While it’s tempting to compare quotes based on price alone, there are many other facts to consider in order to ensure that you’re getting the best policy.

Before beginning your auto insurance quotes comparison, the first thing to do is consider which insurance companies you want to compare. Choose several providers and do a background check of sorts on each, considering information such as their business ratings, complaint ratios, and discounts offered. This will help you narrow down your selection before you even begin comparing pricing for equivalent coverage from each company. Be sure to check out our Testimonials page to see what our satisfied customers are saying about Cronk Insurance!

Next, you should determine how much coverage you need. Your basic coverage will include liability insurance, which covers damages and medical expenses to the other vehicle involved if you are responsible for an accident. Full coverage includes liability insurance, plus collision and comprehensive. Collision covers damages to your own car, while comprehensive covers damages that aren’t the result of a collision, such as an act of nature, theft, or vandalism. While collision and comprehensive insurance are not legally required, both are often mandatory if your vehicle is leased or financed. However, if you are insuring an older vehicle, you may want to ask yourself whether collision is necessary.

Personal injury protection insurance is required in some states but not all. Personal injury protection (PIP) insurance is used to cover medical expenses that may be incurred following an accident. Depending on what type of health insurance coverage you have, PIP insurance may not be necessary if it’s not required by law in your state.

Many companies offer big discounts when you buy coverage for several types of insurance, such as auto and home or a multi-car policy, from the same provider. While adding a teen driver to your policy is likely to increase your rate, many companies offer good student discounts for student drivers. Changes in life events, such as buying a home or getting married may also mean cheaper rates so be sure to include that information when comparing quotes.

Car insurance deductibles go a long way in determining what kind of rates you will see. Your deductible is what you will pay out of pocket first before your collision or comprehensive coverage kicks in. If you decide to go with a high deductible, your monthly rate will be significantly lower, but you could end up paying a thousand dollars or more before your insurance company covers any damages. On the other hand, a lower deductible will mean a higher monthly premium, but will take significantly less out of your savings should you ever need to have your car repaired.

Now that you’ve done your homework, you’re ready to begin your auto insurance quote comparison. Get a quote from Cronk Insurance and see how we compare – we’re ready to help you save money on a policy that will take care of your every need!

Getting the Right Price Quote for Car Insurance

Whether you are insuring your first car or are considering switching to a new insurance carrier, finding the right coverage at a rate you can afford can be an overwhelming task. Here at Cronk & Wisniewski Insurance Agency, we are dedicated to matching you with the policy that is the best fit for your needs.

As with any big purchase, you can guarantee that you’re getting the best deal by shopping around and comparing prices. When purchasing car insurance it is essential to compare rates from different insurance providers to help you decide which one is right for you.  Since we represent multiple insurance carriers, we are able to get quotes from several providers at once. Not only does this save you the trouble of getting the quotes yourself, but you can be confident that we will deliver only the best quotes to you.

So what can you do to be prepared when you talk to a Cronk insurance agent? For starters, it’s important to know what type of coverage you’re looking for. The minimum requirement includes liability, which covers injuries, damages, and legal fees as a result of a crash you may have caused. Adding personal liability coverage covers you and your passengers if someone else causes the accident. Unfortunately, neither of these covers damages to your own car, no matter who was at fault. We recommend that you consider adding collision and comprehensive coverage to your policy. Collision will cover repairs to your car after an accident, while comprehensive covers non-crash damages, such as vandalism, theft, or an act of nature.

You should also consider what kind of deductible is right for you. The amount of your premium will vary depending on what kind of deductible you choose. A higher deductible will result in a lower monthly premium, but will mean a greater out of pocket cost to you in the event of an accident. On the other hand, a lower deductible will mean a more expensive monthly premium. It all depends on what’s best for your budget!

Be sure to ask us about discounts too! There are always ways to save money on your car insurance with a wide range of discounts, including a clean driving record, safety features on your car, and bundling other types of insurance with the same company. These little discounts can go a long way to save you money!

While these are all important questions to ask your agent, there are many other options to consider when getting a price quote for car insurance. Cronk & Wisniewski Insurance Agency will eliminate the guess work for you.

Contact us to get your personalized quotes today!
(814) 456-7501