Couple in ConvertibleAutumn is just around the corner, and for many people that means renting a vehicle. When you're at the rental car company and offer you different levels of insurance, you, like most people, probably agree to it. Better safe than sorry, right? You may be wasting your money, so look into your existing coverage before you get there.

If you own a car and have your own auto insurance policy, chances are it will cover a rental car too. Make sure you have collision coverage, which pays for damage to the vehicle from other vehicles or objects. It is best to check with your insurance agent to verify your coverage before you pick up the rental, just to make sure.

In addition, some credit cards have rental insurance built-in for their customers. Again, check with your credit card company to find out what they cover before making your decision.

When should you consider purchasing insurance through the rental car company? If your deductible is very high and you don't want to have that risk, especially when driving in unfamiliar territory, you may want to purchase their insurance. Also, when traveling abroad, it may be wise to purchase the additional insurance. And again, if your collision coverage is not sufficient, then purchase the rental car company's insurance.

Traveling expenses add up fast — especially when you consider the costs of lodging, eating out and all the fun things you want to do. In addition to the cost of a rental car, insurance can add another $20 to $40, depending on which plan you select. It is best to do your homework and look into your current policy to decide whether you really need to have the extra expense.

Get the best coverage. Call Miller Insurance Agency at (409) 899-9531 for more information on Beaumont auto insurance.
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