Renting a car and driving in another city without your car can be stressful and dangerous. Looking into your insurance options will provide safe coverage for your rental car. Some Auto insurance companies cover your rental car insurance. The key is to find out how much coverage they provide.

Does your auto insurance cover the rental?

The first step that needs to be taken is calling your auto insurer. They can then provide you with what information is needed about your insurance policy. If your insurance company doesn’t provide you with the insurance that is needed then purchasing insurance from the rental company or a third party is probably your next best option. Insurance isn’t necessary when renting a car however it is sometimes better to be safe than sorry. Gather your info from the insurance company.

What other insurance options are there?

Your rental car company will offer you insurance. This can cost an extra few dollars a day. Most of the time it will cover all damages to the vehicle. Check with the rental company to make sure. For some it is better to be safe than sorry. Rental Insurance however is not necessary when renting a vehicle.

Sometimes you will be able to purchase additional insurance with your insurance company. This will cost a little extra (if they don’t already provide you with the insurance) and will go straight through your insurance, so there is no hassling with rental car companies. This can also be a little more affordable than rental car companies as well. Again check prices and availability with your insurance company.

Third Party insurance will sometimes be the cheaper option. Third party insurance will take longer to process. If you are heading out on a trip immediately this might not be the best option for you. Otherwise third party insurance is worth taking a look at. It will sometimes come up cheaper than all of the options. Be sure to check what each company covers as well. Don’t be scammed by bad policies that don’t give you the proper coverage claiming something they really don’t allow.

Again check with your auto insurance company to see what they provide. Choosing the right insurance will save you money, sometimes more than others. Insurance for renting a car isn’t necessary either. If you feel safe driving in other cities without your car you can opt out on this decision as well.