Missouri Auto Insurance Quote and Vacation

With vacation season already here, you're probably thinking about your annual trip to the beach or the mountains.  While most people spend a great deal of time looking for ways to maximize their budget, one costly decision is often left to the last minute - whether to buy the optional insurance offered by a rental car company.

With vacation season already here, you're probably thinking about your annual trip to the beach or the mountains.  While most people spend a great deal of time looking for ways to maximize their budget, one costly decision is often left to the last minute - whether to buy the optional insurance offered by a rental car company.  It's important when seeking a Missouri auto insurance quote that you make sure you're protected.  Read below to find out whether the extra coverage is necessary.  
Deciding whether to buy additional insurance at the rental car counter can be a confusing experience—especially if you don’t know if you’re already covered by your auto insurance policy.  The cost of the insurance offered by rental companies can range from $7 and $25 per day, depending on the rental car company, vehicle make and model and type of waiver.   
Follow these three tips, courtesy of Comfort Insurance, to help you decide whether or not to purchase additional coverage from the rental agency:
1. Check with your credit card company. Some credit card companies provide coverage at no charge if you use their card to pay for your rental vehicle. Make sure you check the restrictions from your credit card company as there are often many restrictions on this coverage.
2. Consult with an independent insurance agency. As licensed insurance professionals, independent agents and brokers can review your policies to determine if the coverage you have on your personal vehicle provides protection for you in a rental car.  When your getting your next Missouri auto insurance quote, ask about whether your insurance will cover rental vehicles.  It's certainly possible that your current policy will protect you in the event of damage to your rental car, but you will want to be sure before refusing coverage.
3. Take your auto insurance policy and details of your coverages with you to the rental car counter. These papers may be helpful if you are asked an insurance question you cannot answer.  Additionally, these papers will contain your agent’s name and phone number.  Your insurance agent or a representative should always be available to answer any question such as whether or not your coverage applies.
Knowing whether your current policy covers your rental vehicle will save you money and give you peace of mind so you can enjoy your vacation. Don’t start off your trip questioning your decisions—take control by talking with your independent agent or broker and knowing the answers to those inevitable questions. 
To learn more about all your independent agency can offer you, including a Missouri auto insurance quote, please visit our homepage.

Article Tags: Auto Insurance, Credit Card

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