We all know that if we drive our own car, we need an auto insurance policy, but, what happens when we are driving a rental car, do we really need to buy a new auto insurance policy for the rental car?
Well, it can be yes and it can be no. Theoretically, it is necessary to have auto insurance coverage whenever you drive a car, so, if you drive your own car, you need to have an auto insurance policy that covered it.
But, when it comes to renting car, it will depend on whether it is used for business or pleasure purpose and your own car insurance policy may or may not be enough to cover for the rental car. If your comprehensive and collision insurance deductibles apply to a rental car, then you will be covered on your personal auto insurance policy. So, if it is enough to cover, then, you will not required to buy rental car insurance when you rent a car. Double confirm with your auto insurance company on this matter if you are not sure.
If your car insurance is not enough to cover the rental car, then, you have no option left: you would need to purchase an auto insurance policy to cover the car rental.
Currently, there are two different types of rental car insurance available: rental car counter insurance and non-owned auto liability insurance. The difference between the two are rental car insurance needs to be purchase everytimes you rent a car whereas a non-owned auto liability insurance will be a yearly policy, meaning, you buy it for one whole year. So, you need to consider if you are renting car frequently, if yes, then it will be much cheaper to purchase a non-owned auto liability insurance; if no, then buying rental car insurance whenever you rent a car would be a better choice.
The coverage provides by a non-owned auto insurance policy covered you when there is damage to someone’ else car, passengers or to people walking in the street who have been injured as a result of the accident. The other benefits from this policy is under-insured and uninsured coverage and medical expenses occurring to you or the car passengers.
However, you need to take note that non-owned auto liability insurance does not provide collision coverage. Collision coverage is what you use to pay for damages occurring to your car in the event of an accident with another car, object or if the car rolls over in such an event.
So, it is necessary to purchase a collision coverage from the rental company if you rent a car. A good new is that if you are using credit card to pay for your car rental cost, then you might want to take advantage of the free collision coverage provided by credit card company. Most of the credit card company provide the collision coverage free of charge if you charge the rental cost to the card, so, you might want to check with your credit card company to see if they provides this coverage.
Monday, June 30, 2008
Sunday, June 22, 2008
How To Buy Cheap Washington Auto Insurance
Before you start to find ways at buying cheap auto insurance in Washington, you need to recognize the facts that there will be several factors used to determine the premium cost of your Washington Auto Insurance. It is never a easy job when comes to the ways to get cheap auto insurance because it varies from people to people due to the many factors used.
Therefore, it is necessary for you to understand that getting your cheap Washington Auto Insurance quotes may be possible, but, it requires some of your times to do your own research.
The following are ways that people have been using to get a cheaper car insurance in Washington, you can refer them and see if they help you.
1. Get Quotes from Different Auto Insurance Companies
This must be the number one point of all. Why? It is because all the auto insurance companies are now conducting their operation and business online. To get the auto insurance quotes from all of them is relatively simple. So, you just need to spend some times and get all the quotes for comparison. This method will take up some of your times, but, we feel that it is worth the effort because the savings of your premium can be a couple of hundreds dollars.
2. Check the Types of Discount Available
Different auto insurance companies have different discount scheme. Some of them have some kind of bundled insurance like buying both home and auto insurance together; some have discount for your car with anti-theft devices; and some of them offered discount if you buy more than one auto insurance from them, provided you have more than one car; and many others.
Check with your auto insurers on the types that is eligible for your. The most common one around will be discount if your car have protection devices, things like, air bags, anti-lock brakes, anti-theft device, auto locking.
3. Eliminate Duplicate Coverage
All of us will have some kinds of personal insurance, for example, life or health insurance. There will definitely be some areas which are overlapping in all these insurance, and that's means you are paying more for the double coverage. So, it is advisable that you go through your existing life and health insurance, find out those areas that are already covered and if they are already sufficient coverage, don't repeat them in your auto insurance so that you can save up some of the additional cost. A few example of the most common repetition are medical and personal accident.
Another area to look into is car towing. If you are already with AAA, then towing coverage in your Washington Auto Insurance is not necessary as AAA covered car towing.
It looks quite simple and straightforward for the three methods mentioned, though it will take up some of your times, but, really, when it comes to buying Washington auto insurance, unless you willing to pay more, you just have to do some research.
Therefore, it is necessary for you to understand that getting your cheap Washington Auto Insurance quotes may be possible, but, it requires some of your times to do your own research.
The following are ways that people have been using to get a cheaper car insurance in Washington, you can refer them and see if they help you.
1. Get Quotes from Different Auto Insurance Companies
This must be the number one point of all. Why? It is because all the auto insurance companies are now conducting their operation and business online. To get the auto insurance quotes from all of them is relatively simple. So, you just need to spend some times and get all the quotes for comparison. This method will take up some of your times, but, we feel that it is worth the effort because the savings of your premium can be a couple of hundreds dollars.
2. Check the Types of Discount Available
Different auto insurance companies have different discount scheme. Some of them have some kind of bundled insurance like buying both home and auto insurance together; some have discount for your car with anti-theft devices; and some of them offered discount if you buy more than one auto insurance from them, provided you have more than one car; and many others.
Check with your auto insurers on the types that is eligible for your. The most common one around will be discount if your car have protection devices, things like, air bags, anti-lock brakes, anti-theft device, auto locking.
3. Eliminate Duplicate Coverage
All of us will have some kinds of personal insurance, for example, life or health insurance. There will definitely be some areas which are overlapping in all these insurance, and that's means you are paying more for the double coverage. So, it is advisable that you go through your existing life and health insurance, find out those areas that are already covered and if they are already sufficient coverage, don't repeat them in your auto insurance so that you can save up some of the additional cost. A few example of the most common repetition are medical and personal accident.
Another area to look into is car towing. If you are already with AAA, then towing coverage in your Washington Auto Insurance is not necessary as AAA covered car towing.
It looks quite simple and straightforward for the three methods mentioned, though it will take up some of your times, but, really, when it comes to buying Washington auto insurance, unless you willing to pay more, you just have to do some research.
Thursday, June 19, 2008
Welcome to Washington Auto Insurance
A very warm welcome to you, thanks for visiting Washington Auto Insurance.
A few years ago, it is very common for us to head down to the insurance companies office when we have any query or question about our auto insurance policy. But, the business model changed today. Now, all the auto insurance companies are offering their insurance products online and it is very easy for us to do a research on any auto insurance information. It just probably take up some amount of our time by sitting in front of your computer, but, that's certainly worth the effort as the information can be found easily online.
Washington Auto Insurance is a site that is different from all those auto insurance site that you comes across. There is no auto insurance product to be sold here to you or anyone else that visit us. This focus of this site is to review auto insurance information and products specifically in Washington city. We would write advices about buying auto insurance that will be interesting to you ; what you needs to do when someone knock into your car; how to file an auto insurance claim; and most importantly, the various way to get cheap auto insurance.
There is a lot of ideas and plans for this site, but, as you know, we are just started and it will probably takes us some time to settle down. More information and advices will be added as times go and we do hope that this site will help you when it comes to Washington Auto Insurance information and hopefully, we can see you around soon.
Again, thanks for visiting Washington Auto Insurance.
A few years ago, it is very common for us to head down to the insurance companies office when we have any query or question about our auto insurance policy. But, the business model changed today. Now, all the auto insurance companies are offering their insurance products online and it is very easy for us to do a research on any auto insurance information. It just probably take up some amount of our time by sitting in front of your computer, but, that's certainly worth the effort as the information can be found easily online.
Washington Auto Insurance is a site that is different from all those auto insurance site that you comes across. There is no auto insurance product to be sold here to you or anyone else that visit us. This focus of this site is to review auto insurance information and products specifically in Washington city. We would write advices about buying auto insurance that will be interesting to you ; what you needs to do when someone knock into your car; how to file an auto insurance claim; and most importantly, the various way to get cheap auto insurance.
There is a lot of ideas and plans for this site, but, as you know, we are just started and it will probably takes us some time to settle down. More information and advices will be added as times go and we do hope that this site will help you when it comes to Washington Auto Insurance information and hopefully, we can see you around soon.
Again, thanks for visiting Washington Auto Insurance.
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