Florida Automobile Insurance – Rental Car Coverage
If you are renting a car, it is 100 percent necessary (and required by car rental agencies) that you have automobile insurance coverage. Do you have full coverage on your automobile policy? If so, this is likely all you will need to carry over to your rental car protection, however you must verify the following information:
- Verify how much coverage you have on your automobile with your Florida auto insurance agent. More often than not, for leisure travel, your current automobile policy will cover over to the rental cover.
- Verify with your Florida auto insurance agent if you have “full” coverage. This is critical in case your rental vehicle is stolen or you are in an accident.
- Don’t forget about your credit cards! Many credit cards offer complimentary rental car insurance if you pay for the rental with that specific credit card. Check to see which of your credit cards provides rental car insurance, and call the credit card company to verify the details of the coverage.
If you do not own your own car and need to rent a vehicle, you most likely won’t have your own automobile insurance policy. Does this mean you cannot rent a vehicle? Not necessarily. Drivers without their own automobile policy have two options that we will discuss below.
Rental car agency provided insurance
Rental car companies will always offer you their insurance coverage, and the costs of this coverage will vary from agency to agency. If you do not have a clean driving record, or you have poor credit, however, you may not be able to participate in this coverage option.
Non-owned auto liability insurance from your Florida insurance agency
If you don’t own your own automobile, yet you do rent vehicles frequently, it is worth it to consider a non-owner automobile insurance policy from an automobile insurance provider. For less than $500 per year, you can get this coverage, and ultimately save money by not paying for rental car agency provided insurance.
Contact Marvel Insurance today so we can help you decide which is your best option if you do not have your own automobile insurance policy.