Facilities for cheap rental cars are available in almost all major cities across the world. As a precautionary measure, the rental companies giving their vehicles on hire often hold the individual renting the car accountable for any damages that the car sustains during the hired period. Any waivers are only offered at an added cost which can be very high and as such a waste of monetary resources. In order to secure oneself from any such losses, another option exists - including a clause for rental car insurance in your personal car insurance policy. There are certain key factors to keep in mind while buying such an insurance policy.
Determining Aspects
Read through the complete terms of the agreement subject to the kind of coverage provided and the cases when it is not applicable. What liabilities are coved under it and their amounts (this includes payment for the damages of the rented car as well as those injured in the accident along with any other property damages). If these terms are not available in the auto insurance in hand, it is best to opt for a cheap rental car insurance policy. This policy would only be applicable as and when you rent a car and not while driving your own.
Kinds if Cheap Rental Car Insurance Plans
There are different kinds of cheap rental car insurance plans provided by the various agencies working in this field. Rushing into selecting the first that comes your way would be a mistake. Based on your requirements i.e. the number of times a car has to be rented, the type of car that needs to be rented, frequently visited places, distances that need to be travelled; the rental agency would suggest the cheapest and the most economical rental insurance policies. Understand the policy terms before making any commitments.
Ways of Contacting Agencies
Agencies offering this form of insurance can be contacted through the internet by visiting their websites or through the hotline numbers provided by them. Another alternative is to contact an agent having expertise in this field of work for recommendations and suggestions. They can provide a precompiled list of agencies offering cheap rental car insurance which could be very helpful in saving time that would have been wasted in research work. Of course, their services would come at a fee or service charge but the saved time would easily make up for it.
The Right Situation
As a businessman or a person working for a firm, there is no fixed time as to when one might have to go out on a field trip. This means that the rental car insurance should be applicable at all times so that no last minute touchups are required. To add to it, a long term insurance policy always comes out to be cheaper than getting multiple shorter ones thus also reducing the costs.
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