Buy Non Owned Car Insurance

Whenever you rent a car without any valid personal car insurance policy, you are required to buy a rental car insurance policy. However, some people feel that it is very troublesome to buy a rental car insurance everytimes they are going to rent a car. That's why non owned car insurance is a good option to consider.

If you have read through our previous articles on rental car insurance and non-owned car insurance policy, you must be quite clear about what's all about. So, why it is good to buy non-owned car insurance and why more and more people are buying non owned car insurance?


The single and biggest advantage of buying a non owned car insurance, as you can tell, of course, is that you no longer need to buy rental car insurance every times you decided to rent a car. The premium that you pay for your non-owned car insurance policy will be much cheaper when you sum up the total cost of buying a rental car insurance every times you rent a car against the cost of a non owned car insurance policy.

Do the maths and you should be pretty clear about whether you are going to buy a non-owned car insurance policy. If you rent car often, go ahead and buy. If you don’t, then, it is to your disadvantage if you buy.

Although non owned car insurance policy seems to have an advantage for frequent car rental people, there is something you need to take note of. It does not provide collision coverage. Now, collision coverage is important because in event that your car crash into others or overturns, it can covers the payment for damages to the car. So, without this coverage, you might still be at some risks.

The good thing is most credit card company do provides this coverage free of charge if you charge your rental cost to the card. So, you can actually take advantage of it by paying your car rental cost through credit card. If you don’t, it would be advisable that you purchase the collision coverage from the car rental company. Don’t ever rent a car without collision coverage.

Before you proceed to buy the non-owned car insurance or rent car, check out our article on the car rental requirement that need to be fulfill. The first and most important requirement is you must have a valid driving license before you can rent a car.

For more assistance on car insurance matters, please check out all our archives.

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Non-Owned Car Insurance

How to Buy Car Rental Insurance – Part 2

Are you tired of buying rental car insurance every time you rent a car? As you know, without a car insurance, you must buy rental car insurance whenever you rent a car, this is to protect yourself and other fellow road users. So, wouldn't it troublesome to buy the rental car insurance every now and then?

Now, if you rent a car frequently, you can actually purchase another type of insurance called Non-Owned Car Insurance. This is a kind of car insurance for people who don't own the car, but, rent car often. In buying this non-owned car insurance, you are actually paying a much lower rate instead of individually buying rental car insurance whenever you rent a car.

It will be good if you are considering buying non-owned car insurance because it provides many coverage that will be critical when you rent the car. In the event of an accident, non-owned car insurance policy helps cover you for any possible claims for damages, injury that arise out of the accident. The car insurance will also pay for the medical cost to you or fellow road users.

Already there are many coverages for non-own car insurance, do take note that collision coverage will not be included. So, what is collision coverage? Collision coverage refer to the payment for damages to the car if you crash into another car or the car overturns.

You will need to buy this coverage from the car rental company when you rent the car. If you are paying your rental cost from credit car, you might want to take note that some credit card companies do provide the collision coverage free of charge. So, check it out with the card companies before you rent the car.


So, if you are renting car often, you can consider purchasing a non-owned car insurance which will be cheaper if you rent car frequently

Take note that if you are without a driving license, you are not allowed to rent a car. For more assistance on car insurance matters, please check out all our archives.

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Rent Car And Driving Licence

Are you looking at rent car option for your driving holiday or short vacation? Do you have driving license or you are without a driving license? Do you have a car insurance policy that is still valid?


So, if you are looking at renting a car, there are some requirement and information that you need to know beforehand. Before you start to look around for car rental companies and happily looking forward to rent a car, check out the various information and make sure that you fulfill them.

1. Do you have a valid driving license or you are without a driving license
   
   If you are without a driving license, you can forget about renting a car. It is a must and there is no negotiation on this.



2. Is your driving license going to expire?
   
   For the entire period of time that you rent the car, your driving license must be valid. So, if your driving license expired during the period, no car rental company is going to accept your order.



3. Are you renting the car in another country?
   
   If you are going to rent a car in another country, check out the regulation of that country. Some countries required an international driving license or permit besides a valid driver license. So, it is better for you to check out before proceed.



4. Rental Car Insurance.
   
   Find out if you need a rental car insurance. If you are going to rent a car in another country, you probably need to buy some kind of car insurance. If you are renting in your own country of residence, that will really depend on if you have a valid car insurance. Either way, you need to check out if your car insurance policy is still valid.

So, renting a car is not so simple. There is really information that you need to go find out. Of course, if you are without a driving license, definitely you can’t rent a car. For more assistance on car insurance matters, please check out all our archives.

Lower Your Car Insurance Renewal Quote

Did you ever automatically renew your car insurance policy without even get a new quotation? You did, right? And in fact many other people also do so. Now, it is really a very simple way out, but, you are out of the way in cheap car insurance. Big healthy profits are being made by those car insurance companies simply because most of the existing customers just renewed their car insurance policy without requesting for a new quotation.


Now, it is common that many people assume that their car insurance premium was still as competitive as before, but, in actual fact, it may not be the case. Due to the fierce competition for new car insurance customer, the quote may vary yearly. Many car insurance companies throw in lot of different type of discount to attract new car insurance customers and you may get to enjoy the carrot if you request for a fresh new quotation instead of proceeding to renew your car insurance policy.


So, the best way to really enjoy cheap car insurance premium yearly is simply to request for a new fresh car insurance quote instead of renewing the existing one. Call your car insurance companies for assistance on a new quotation.


Now, requesting a new quote from your car insurance companies as a new customer, then, you can make comparison between the quotes from other car insurance companies. You might be able to compare and find out the various type of discounts available for the current year and it will definitely be better than just simply renewed your car insurance.


Car insurance rates don’t stay at the same level every week. There will be changes here and there, so, it is good that you looked around the various car insurance companies around so that you can get a cheap car insurance. You can check the car insurance companies website through internet and getting a new quota from them is as easy as ABC.


Don’t simply renew your car insurance quote.



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Buy Direct Car Insurance

Why You Should Not Use Insurance Brokers

When you are looking to buy car insurance, there are two options you can proceed; to buy from an insurance broker or sometimes they are called middlemen or independent agents, or you can buy directly from a car insurance company.

So, why buy through an insurance broker? The advantage is they are probably represent a few car insurance companies and hence you will can various quote instead of one when you are liaising with an insurance company directly. However, you must be aware that it is not free of charge to you. There will be some associated costs due to the involvement of insurance brokers. So, essentially your car insurance premium will be much higher and the chances of getting a cheap car insurance will probably be lower.


When you buy car insurance directly from car insurance companies, there are many benefits that you can get. As you are directly talking to the car insurance company, you can get a cheap car insurance policy because you already save up the hidden cost earned by the car insurance broker. Also, most of the car insurance provider are large companies that deal in more than car insurance, they probably also provide housing, personal and other types of insurance services. Talking to them directly may help you to find out how you can sign up for various insurance schemes together and essentially that will lower your car insurance premium.


When you buy the car insurance policy directly from car insurance company, as mentioned above, you are paying a lower rate as there is no car insurance broker involved, hence a cheap car insurance.

You will also be able to take your time to make some adjustment to your coverage and meet you target of cheap car insurance. With the car insurance broker, it will be much more difficult as they might not be able to give you a response on time when you choose to add or remove some coverage as they might need to go back to the insurers to get more confirmation.


As usual, it is good that you do some market survey yourself on the various car insurance companies so that you can get a good and cheap car insurance policy. You can consider to check out the car insurance companies through internet before you approach them as it will save you a lot of times.

So remember, buying directly from car insurance companies should be a better option if you are looking for a cheap car insurance.



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Cheap Car Insurance For Student

These days, it is very common for university students to drive to school for classes. For student drivers, their age is still young and hence they are more adventurous and risky compare to other experience drivers. Everyone have been through that age and we all know how these student drivers will be like when they are on the wheels. Speeding, racing, night driving, stunts, etc. So, without doubt, car insurance for the student drivers will be higher compare to others and it will more difficult to get a cheap car insurance.

Sometimes, parents don’t recognize that student drivers are more prone to get into accident or traffic offences. So, they are more lax toward them. But, there are statistics that shown student drivers involved in car accidents is high. So, in reality, it is good that parents practice some kind of control over the student drivers.


For student car insurance, there are various kinds of cover that they can choose from, namely, Third party Only, Third Party Fire and Theft and Comprehensive Policy. It is recommended that a comprehensive car insurance policy is being purchased if you are looking into buying car insurance policy for students. As the risk factor is higher for student drivers, purchasing comprehensive car insurance will give a wider range of coverage.

Although the premium for the student car insurance will be higher, it is still advisable to buy. For cheap car insurance for the student drivers, parents can actually helps. Parents can put up some guidelines for student drivers, things like night driving (visibility lower), speeding, racing, or maybe limit number of passengers, driving habits, etc.You can also read up our archive articles in car insurance assist on how parents can help teenage driver, the point in the article is quite relevant to student drivers.



For other recommendation, check out our archives list of car insurance assist.

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Car Insurance Online

No one like the fact of paying for car insurance when premium is due, but, it is by law that car insurance must be purchased for all drivers and it is no longer a choice. But, drivers do have a choice on which car insurance policy and coverage to purchase and of course, they do have a choice in selecting a cheap car isurance policy.

Now, with so many car insruance companies competing online for your car insurance business, finding cheap car insurance no longer is a big problem. Drivers just need to be aware of the different factors and criteria that will affect the premium of the car insurance and that should help them to get a cheap car insurace premium.

A few years back when conducting business on the internet is still not so popular, it was very tedious and wasting time by calling car insurance companies for quote of car insurance policy. Those are the days where you can only settled car insurance matter during office hours. Now, with the internet, at anytime of the day, you can simply get quotes online without any problem. Also, you are able to read up material relating to car insurance online at various website, make comparison of prices, all done in front of your computer.

With this car insurance business on the internet, many companies are actually competing to give a better price so as to edge out the competitor. So, there are many incentives and discount being offered through purchasing car insurance online. This is made possible mainly because a lot of manpower cost was being cut down when car insurance business is conducted on the internet.

So, if you are looking at buying a cheap car insurance, why don’t check out the websites of those car insurance companies?


Now, remember when you browsing through the car insurance quotes, it is advisable that you also get various quotes from a few different car insurance companies so that you can make comparison. Check out the detailed coverage of each car insurance quotes to ensure that you are adequately covered and don’t simply go for the cheapest premium. It is unlikely that the cheapest car insurance quote will give you the best coverage. So, make sure that you are aware of the coverage you needed.

For other recommendation, check out our archives list of car insurance assist.

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Car Insurance Assist And Car Insurance

Sometimes in life, we take thing for granted. We will never know how precious or important certain things are, for example people, place or even object till that moment we lost it completely.


With the ever increasing rate of car accident, it is very important that a valid car insurance policy is in force, so that, in any events, the car insurance policy can help relieve us on the compensation matters. But, sometimes, people don’t recognize it. There are still people who drive around without driving license, with no car insurance policy and that’s really hurt and harm if any accident is being involved.

The consequences of driving without a license and car insurance are very serious. In the event of accident, besides being caught up by law for driving without license, the cost of damages, injury claimed can be very high and without a car insurance policy, you probably won’t be able to afford the payment. So, don’t ever do it.


Car insurance policy is by law a must in all states. Only by purchasing the car insurance, you can drive around in peace, knowing that the car insurance companies are there to lend support to you if anything happens. And if there is any issue arises, you can simply call car insurance companies for assistance.


There are many different type of car insurance policy on the market, depending on the type of coverage. Irregardless whether you are buying cheap car insurance or you are paying high amount of premium for your car insurance, make sure that there are effective and don’t ever lapse in any payment to the car insurance companies. That’s the only way to best guard your interest and others as well.


If you want to check out more about car isnuranace matters, you can browse through our archives, there are a lot of articles in related to car insurance matters.

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3 Tips To Buy Luxury Car Insurance

Okay, you are pretty excited that you finally bought your dream sports car. It was such a beauty, with sports rims, roaring engine and shinning body. Definitely an eye catcher on the road. But, remember, it is also possible that someone else is eyeing it, waiting for the chance to steal it from your nose.

So, have you buy car insurance for it? And since it is a luxury sports car, make sure that your luxuary car insurance is properly covered. Of course, it won’t be a cheap car insurance, for luxury sports car, it would be difficult to get cheap car insurance.

To help you along, the below are three tips to help you know if your car is properly covered.

1. Find the right car insurance company.
   
   Now, not every car insurance company sells car insurance for your brand of luxury car. It is much easier to buy car insurance for normal family car instead of luxury car. If you are not sure which car insurance company to go to, the car dealer that sold you that luxury car should be able to give you a recommendation on the car insurance company that sell car insurance for your brand of car. Do expect that the car insurance premium won’t come in cheap for luxury car.



2. Decide if you are going to utilize the car heavily.
   
   Now, it will help if you decide if you are going to drive your luxury car daily or maybe once in a while. It helps when you purchase car insurance for your luxury car. It would be good if you can give a rough estimate on your annual mileage to your car insurance insurer and maybe, the low mileage will help a long way to getting a cheap car insurance.



3. Join the Prestige Car Club.
   
   For luxury car, there will normally have a prestige car owners’ club. Find out the club that your brand of luxury car belongs to and joined them. You can easier get various tips on your car’s maintenance, upkeeps or things like where to get spare parts, the possible problem of the car from fellow club members.

It is important that you get the best coverage for your luxury sports car since you have invested a big sum on the car itself. So, using the above tips, hopefully, it can helps you in some way toward purchasing of your car insurance policy.

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Car Insurance Assistance - Call For Help

Car Insurance Assistance when You Need

Yesterday, we talked about the important of keeping a list of contact telephone of car insurance companies so that when you need assistance with car insurance matter, or when you are in need of assistance during any car accident or damage, you can easily find the number to call for help.

Now, when during any car accident, especially if this is the first car accident you involved in, very likely, you will be panic and don't know what to do. It is crucial for you to know that it is very important for you to keep your calm. When you are panic, you will be at a total loss to know what to do, and you probably won't know how to get assistant. If you have any car insurance companies contact, it would be best for your to call them for assistance. If you don't have, what should you do?

Now, when involved in accident, make sure that you take down the detailed particulars of the accident, including picture of the accident scene. Now, it is very common for handphone to have the camera function, just take down the scene with various angles.

Next, remain at the accident site until police have come. Make sure that you take down the name of the officer and they take down your version of the what happened. It is important that you ensure that these are completed.

Take down the name, address, driver's license and car insurance information of the other driver that are involved in the accident. If you don't, then you might not be able to make any claim if the accident is not your fault.

Then, report the accident to your car insurance company. Of course, depending on how serious the accident is, you may or may not want to risk your premium rate, by claiming damage, you may be charge a higher premium for the next time and hence not able to get a cheap car insurance. That's really depend. You might want to seek some advice from your car insurance representative before making any further move.

So, also remember to stay calm and it is important that you have your car insurance policy in force.

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Los Angeles Auto Insurance

Car Insurance Assistant When You Need

Los Angeles Auto Insurance Assist

If you are first time visitor to Car Insurance Assist, a very warm welcome to you. This blog, car insurance assist, is mainly focused on car insurance related matters, so, most of the articles here are mainly on car insurance.

Take your time to browse through the archives articles of car insurance assist. If you are just interested in how to buy a cheap car insurance, there are various articles covering that area. Take your time to check them out.

If you have any question on car insurance related matter, do leave a comment and we will see how we can assist you.


Okay, today, we at car insurance assist, will not be doing any post of the regular car insurance related article. There is some other thing about car insurance that we want to talk about. The assistance car insurance companies that can render to you when you are deeply in need of help due to car accident, car breakdown, damages or injury that arise from a car accident.

When you need any assistant on car related matters and it is assumed that you have a car insurance policy in force, you can simply call up your insurer for assistant. They will be more than willing to help you or if the car insurance companies are not able give you any assistance, they will be able to direct you to the necessary source where you can get assistant.

It will be very useful for you to take down the telephone number of the car insurance companies or any relevant contact number that you can get hold of in related to your car insurance. Store it in your handphone memory or even write the number down and keep a copy inside your car.

Now, any phone number that you can call when you need assistance on car insurance matters is important, especially when you are on the road. You will never know when you need assistant related to your car insurance.

Most people will get panic in the events that the car breakdown or involved in any car accident. They don’t know what to do, actually, the easiest way out is to call for assistant. So, if you have the car insurance companies contact number, it will in some way, help you when you need. So, just call your car insurance companies for assistant.

Remember, it is always important to have a valid car insurance policy as it is against the law to drive car without any car insurance policy in place.



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Cheap Car Insurance For Female Driver

Los Angeles Auto Insurance Assist


It is a bit surprise that till now, I have yet to make a post on the female driver car insurance. So, today I am going to make a post on how female driver can enjoy the benefit of cheap car insurance.

For female driver, it is much easier for them to get a cheap car insurance, comparing to a male driver. Of course, there are some reasoning factors behind it. Most importantly, there is statistics to support the claim for the cheap car insurance. Now, you may not believe it, but, the fact is, female drivers are better drivers than male drivers.

Of course, there will be lot of argument over it but, the number of car accidents which involve female drivers are much more lower comparing to a male drivers. Hence, car insurance company do considered it.

Maybe female driver are more carefully while driving on the road, and not too aggressive might be the reason behind a lower accident rate. Whatever it is, the car insurance companies look at the statistics and hence qualify them for lower cheap car insurance.

Of course, not all female drivers will entitle to that. If they have poor driving records, they will still be charge a higher rate. It really depend on how their past records.

Most importantly, for all drivers, driving safely and carefully is very important. In long term, it will benefit you when you buy or renew the car insurance policy.



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Yet Another 3 Ways To Buy Cheap Car Insurance

3 Ways To Buy Cheap Car Insurance


There is a trend that car insurance premium is going higher and higher yearly and it is no longer easy to get a cheap car insurance. A car insurance policy can easily cost you from a few hundreds to a few thousand dollars, depending on your coverage.

So, how to cut your insurance premium? Well, there are a few areas that you can look into and make some consideration, adjustment and end up with cutting your car insurance premium.

1. Check your credit rating.
   It is important for you to get a copy of your credit report and check it. If there is any incorrect or inaccurate points/area, make sure you rectified and fixed it. It is because car insurance companies do reference your credit. If your credit rating is good, to them, you are less risky and it do helps you in your car insurance premium
   



2. Check your motor vehicle report.
   You should also make sure that there is any discrepancy in your personal driving records. If there is, you should report the errors to your state motor vehicle department, as the same time, you can consider to report to your insurance companies as well. It is crucial as an inaccurate report will dampen your chances to get a lower car insurance premium.
   


3. Double check accident report.
   If there is any accident report, please double checked and confirmed they are in order. It is because if there is a mistake that highlight your fault in the accident, you are likely to get a higher car insurance premium for the next renewal.
   

Ultimately, car insurance rates varied due to many factors. As a driver, it is most important that you always drive safely and carefully. In doing so, it will essentially help you to lower your car insurance premium as well.



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Best Of Car Insurance Assist In March

This post is supposed to be posted at end of March, but, somehow, it was been delayed till now.

Anway, I will be writing a post similar to what this post is doing for every month end. In the post, I will write and linked to some car insurance posts that I made for that particular month. In case you just comes into my car insurance assist blog, this post should be very helpful to you.

Now, here we go....


If you are the visiting this blog, car insurance assist, for the first time, you might want to read more about what this blog is all about and what how this blog can help you.

Well, and if you interested to find out ways to find cheap car insurance, we outline the various way that will help you to reduce your car insurance premium.


How about reading up more on the next possible kind of car insurance where you only pay for what you drive, it should really interest you.


And if you have teenage son and daughter who are going to embark on their journey of driving, it would be helpful if you can read up on this articles


Finally, you might also be interested to find out more about why do you need to buy a car insurance.


And last but not least, you will be very interested to read this article if you going to rent a car for holiday.


Till then.


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Car Insurance For High Risk Driver

There is a group of drivers that car insurance companies classified as high-risk. As long as they continue to be classified as high-risk driver, their car insurance policy will be much more expensive than the others. So, who are this group of people?

• anyone that has had several violations of traffic offences or accidents


• Teenager driver are also considered high-risk due to their age and not enough experience in handling vehicles.


• New drivers

Beside the above group of people, there are also other reasons that might classify you as a high-risk driver, although the reason is not related to your driving experience or skills. Some of the reasons are:-

• Flashy sports car


• Lapsed of your insurance coverage due to late payment of the premium


• Traveling in a motor home.

If you are classified as high-risk driver, expect your car insurance premium to be more expensive, but, it also range, depending on your car type, age, experience, record and even location like state.

In general, for being classified as a high-risk driver, you can expect your car insurance policy to cost more.

Even if you are high-risk driver, it is always a good practice to get quote from various insurance companies and make comparison before you purchase. Most importantly, drive carefully and safety. If you are able to keep a good driving record from now, it will help you to get off the high-risk group after a few years. It is worst the effort as the amount of premium you pay for the car insurance can be very much different.



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Why You Should Not Use Insurance Brokers

In this advance and modern internet world, looking for car insurance quote is relatively very easy. Just a few simple clicks and you can get the quotation you need.

So, then why are you still using insurance brokers? You shouldn’t. Not convince? Then let me tell you why you shouldn’t use insurance brokers.

• Insurance brokers are just middlemen between you and the insurance company. They do represent a few insurance companies, but, don’t expect them to represent all available insurance companies. Compare that to all the companies you can get quotation online, just think again, will you ever miss out on a better quote.



• Insurance brokers earn their bucks only when you purchase an insurance policy from the company they represent. And there are some insurance companies that may pay more to the broker than another, so, there is a possibility that you are not been refer to a companies that might give you a better quote.



• When your insurance is due to renewal, the brokers will probably sent out the renewal notice to you. Don’t expect them to re-check your policy to ensure that you are still being having the best price.

So, what is the difference?

Okay, if you really looking for cheap car insurance, you should search for quote online. By doing it yourself, you can get multiple quotes and make comparison. You can make your adjustment, take out certain coverage, or include addition item, and play it around until you are comfortable with the coverage and premium.

It is definitely time consuming on your part, but, if you are in for cheap car insurance, then it is worth the effort.




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Buy A Safer Car For Cheap Car Insurance

If you have been following all my previous articles about getting cheap car insurance, you will have notice that I mentioned a few times that a safer, low profile car can help you to get a cheap car insurance.


Why is it so?


Okay, think of two different car type, one is a flashy sports car and the other saloon family car. You make a comparison between two different type of cars, which car do think will have a higher risk exposure to accident?

I guess you will not hesitate to say a flashy sports car, don’t you? Similarly, car insurance companies also think so. But, they don’t simply base the assumption by guessing. They do look at statistics which back the claims which type of car is more prone to accident and hence they will comes with a higher car insurance premium.


There are statistics like crash test ratings, safety features of car, vehicles that are most often stolen, vandalized or burglarized and involve in accidents. In addition, some cars will cost a lot more to repair than other car model. All these are important statistics data that car insurance companies will look at and analyze. That’s why it is important that you need to choose a car that is safer if you are looking at cheap car insurance.


So, when deciding to buy a car, you need to consider are you looking at cheap car insurance. If your answer is yes, then, it would be advisable to get a safer car




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The Best & Worst States To Own A Car

If you are planning to buy a car insurance policy, you might be interested to read the article by Forbes which ranked the best and worst state to own a car.

Best and Worst States to Own A Car


It is a very good article as it categorized and ranked the best and worst state to own a car. The article also listed down the various cost involved when owing the car in the state, such as:

• Taxes & Fees


• Depreciation


• Finance & Interest


• Insurance


• Fuel Costs


• Maintenance


• Repairs

Of course, there are some assumptions been made when doing such analyze, but, I think this article is quite informative and you can use it as a reference when you are planning to purchase car. It is also quite interesting to note that the car insurance premium in different state can be quite a big difference.


So, head over to Forbes and check out the article.



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How to Buy Car Rental Insurance – Part 2

Okay, yesterday I posted the first method of where to buy car rental insurance in the situation where you don’t have any existing car insurance policy.

Today, we are going to talk about the second method of getting a insurance in place before you rent a car: a non-owner auto liability insurance policy.

Before I continue, if you are interested to read more, you may want to read the two related articles written previously, namely, do you need to buy car rental insurance and How to Buy Car Rental Insurance.



Non-owned auto liability insurance


If you rent car often, it would be very troublesome to purchase a car rental insurance everytime you wanted to rent a car. So, you can actually purchase a non-owner auto liability insurance from an insurance company. This may be cheaper in long run if as I mentioned, utilized car rental service very often.


A non-owned auto liability insurance policy will cover you for any car damages, injuries to the drivers and passengers, injuries to pedestrian on the road, medical coverage for you and fellow passengers, and many more in the events of an accident. It would be advisable for you to find out more in detailed from your insurer.

Do take note that this insurance policy does not consist of collision coverage. Most of the credit card company do provide this coverage free of charge when you charge your rental cost to the cards. Check out from your card company and in the events that they don’t provide, you need to purchase it from the car rental company,

The main advantage of buying this insurance policy is that you can free yourself from some hassle everytime you rent a car. So you may want to consider this option.


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How to Buy Car Rental Insurance

Do You Need To Buy Car Rental Insurance


In my previous post, I explored the possibilities of whether you need to buy car rental insuarnce, and suggested the ways that you can go about to find out if you need to purchase the insurance.

In this current post, I am going to assume that you have find out that you don’t have any existing car insurance policy or is no longer valid. So, now before you rent a car, you are actually required to buy a car rental insurance.

Now, there are two ways you can purchase the car rental insurance if you don’t have any existing coverage. You can either purchase the car rental insurance coverage from the car rental company at the time you rent the car, or, you can also buy a non-owner auto liability insurance policy from your insurer.


Today, I am going to cover the first way and tomorrow the second method. So, check out my post tomorrow also on the second method.


The insurance coverage that car rental companies provided are as followed:-

1. Collision Damage Waiver (CDW)
   
   Or some called a Loss Damage Waiver (LDW). This coverage is very important when you rent a car. It is because in the events that your rental car is stolen or damaged when involved in any accident, it can help relieve you of your financial responsibility.
   
   But, CDW can be expensive and it may increase the rental cost up to another 20%. So, you should be very careful when buying this coverage. If you are going to pay your car rental by credit card, you may want to check with your card company on whether this coverage is provided and to what extent.
   



2. Supplemental Liability Insurance
   Supplemental Liability Insurance usually pays over and above what your personal or business insurance covers. If you do not already have personal liability coverage you could purchase this insurance.




3. Personal Accident Insurance.
   This provides coverage to you and your passengers for medical/ambulance bills. This insurance may not be necessary if you already covered by health insurance or have adequate medical coverage under your existing policy.




4. Personal Effects Coverage.
   This provides coverage for the theft of personal items in your car. Same as item 3, check out your existing insurance, if you already have this coverage in other existing car or homeowner insurance policy, you may consider not to purchase this coverage.

So, the cost of insurance for car rental will vary, depending on factors like the rental Car Company, state, and location of the dealer and the type of car you rent. So, do check out in detailed before you make the move to start renting a car.


BB's site is at

Los Angeles Auto Insurance