Are You Insured When You Rent a Car
If you need to rent a car in Spokane, you will want to know how much coverage you get for the rental. A good rule of thumb is that if you are driving on a public road, you should have insurance coverage for your rental car. The city of Spokane makes sure this is the case.
Before you take the car off the lot, make sure you do some homework on what you are covered for. Insurance varies according to the type of coverage you have with your current car insurance. You need to have liability insurance on your vehicle, which covers bodily injury and property damage.
However, in Washington state, you may not have collision coverage, which means that if someone hits your car, the liability insurance does not pay the repair costs.If the damage is more than normal wear and tear, you should get some sort of protection so that you are protected in the event the vehicle is a total loss.
If your car is totaled, the insurance company will have to pay for the repairs, and that is not something that you want to get into.
Make sure you take a moment to make a list of the things that could happen to your car while you are out of town. Things like theft, vandalism, and any weather-related damage can dramatically increase the cost of a rental. Theft from the car can be costly and dangerous. However, if the car has collision coverage, you could be able to file a claim for the additional damage to the car.
You will also need to check the price for an all-inclusive vacation. Depending on the type of travel you will be doing, you may not need to take a rental car. If you are going to be traveling around the city and the countryside, you may only need to rent a car or two and save money by renting a van instead. You will still need to have liability insurance, however, because as stated before, the city of Spokane makes sure you have enough coverage.
While you are shopping around, look at different insurance companies to find out what they have to offer. Some companies may not offer the same type of coverage that you are looking for.
With all of the different companies offering different rates, you will have to spend some time comparing the options that are out there for you.
You may want to check with your employer about their policy. Many people make the mistake of thinking that it is their responsibility to bring their own vehicle insurance, but employers usually do not have coverage for a rental car.
In the event that your employer does not have coverage, you may be able to purchase an extra policy for the employee. This may be worth it if the plan has lower premiums than what you are currently paying
, but is not necessarily necessary.
You may be able to buy a policy online, but you will have to decide if this is the best way to go. You may be able to save some money on the policy by buying it online, but many things may be a bit more expensive than they would be if you went to a physical office. Just be careful to compare the prices before you make your final decision.
Of course, if you already have car insurance through your employer, you may be able to save a bit of money by purchasing it as well. If you are renting a car, this would be a smart idea. You will not need to use the coverage when you are actually driving the vehicle.You will also need to find a site that allows you to buy your car insurance online.
There are many different companies offering this service, but you will want to make sure that you know what you are signing up for before you buy the policy. to be sure that it will cover you in the event of a car accident.
Before you sign anything, take a look at what is available online. to you and see if it is something that will meet your needs and your budget.