Many drivers who travel for business or pleasure have faced this question, often after a long flight and long lines at the airport: Would you like to purchase additional rental car insurance coverage for this vehicle? Some people always elect to buy the insurance out of fear. Others always reject the offer, thinking they are already covered by their current auto insurance. Essentially, you will need to do a little research to determine if you are already covered under another policy for a rented car. The factors involved are sometimes complicated, but if you make a few phone calls ahead of time, you will know how to answer this question when it is asked. In most cases, this add-on service is at an additional cost to the policy holder, so it's always best to make a few inquiries with your agent. If you don't own a car but you frequently drive rental cars, it's always a good idea to get a few car insurance quotes, you never know, you may actually save more in the long run. Auto insurance coveres the driver, not the car. To get a quick quote, use our online form to compare up to five quotes from local agents.
Do You Already Have Rental Car Insurance Coverage?
There are generally two circumstances under which you may already be covered by insurance for a rental car. The first is your own auto insurance policy. The second is through the credit card that you have used to rent the vehicle. Investigating these two possibilities before you leave is a good idea—before you are standing, bleary-eyed at the rental car counter in the airport.
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* Your own auto insurance policy: First, call your auto insurance agent to verify whether your auto insurance policy extends to rental cars as well. In general, if you are traveling for pleasure, such as a vacation or visiting family or friends, your policy will also cover a rental car. Be careful though: any gap in coverage in your own auto policy applies to your car rental. For example, if you own an older vehicle and have dropped collision or comprehensive coverage, this would apply to your car rental situation as well. If you are traveling for business reasons, it is likely your own personal auto insurance policy will not apply. In this case, you may wish to inquire with your employer about rental car insurance coverage policies. Note: If you travel for pleasure outside of the United States, your policy may still be in effect—ask your agent to confirm this.
* Your credit card company: Many credit card companies offer auto insurance protection for vehicles rented with their credit cards. Coverage offered by credit card companies may vary from one company to another; these policies also may be revised from time to time so make sure that you are aware of the most current information. Often coverages offered through your credit card company only cover physical damage to the rental vehicle itself—rarely do these types of coverage extend to personal injury, liability, or theft of personal belongings. Insurance offered through your credit card should be thought of as supplemental, rather than primary coverage.
What Kind Of Vehicle Coverage Will You Need?
If you determine that you do need to purchase additional coverage, due to your travel circumstances or gaps in your own coverage, you should be familiar with the common types of insurance coverages offered by most car rental companies.
* CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver): These waivers cover you for any theft, vandalism, or physical damage resulting from an accident.
* PAI (Personal Accident Insurance): This coverage applies to any medical costs related to an accident with the rental vehicle
* SLI (Supplemental Liability Insurance): This type of coverage extends your liability coverage, usually up to $1 million.
* PEC (Personal Effects Coverage): If your personal property is stolen or damaged while inside the rental vehicle, it will be covered under this insurance coverage.
Remember, if you have any of these coverages provided by your own auto insurance policy and you are not traveling for business, you need not purchase them again. Be cautious however—you should be familiar with your own policies coverage and limitations before you decide to purchase or decline additional coverage.
When you are preparing to travel, make a phone call to your own auto insurance agent. Describe the nature of your travel plans and inquire about how your policy extends to car rental. Also, call the car rental company from which you intend to rent your vehicle. Ask them if they can send you a copy of the rental car insurance policies they offer. Companies often make this information available on their Web sites as well.
Ultimately, if you do the research ahead of time, you will know exactly what coverage is provided by your own auto insurance policy, by your credit card company, and you will know what, if any, additional coverage you may need. Why spend money you don’t need to spend? Why take a risk at being underinsured? There's a lot of risk that can easily be avoided by simply getting a few free insurance quotes, so you know how much you're going to pay, to avoid taking a financial hit later. Use our online quote forms to compare up to five quotes from local agents in your area. Find out the details first, so you can make the right decision. Then take your trip with one less thing to worry about.
Kamis, 10 Juni 2010
Rabu, 14 April 2010
Obtain Insurance from a Top Rated Company
Insurance companies
Many consumers are under the impression that locating the best companies is done by finding insurers that offer the cheapest rates; while price is a very important aspect of getting coverage it is not the only thing that should be taken into consideration when shopping for a policy. Car insurance companies are made up of many factors all of which can be equally important and although the lowest rates for protection are preferred, it may be worth paying a little extra to ensure that you are covered by a quality carrier to avoid any aggravation in the future.
Consumer guides from both private parties and departments of the government as well as most industry professionals tend to agree that competitive pricing is only one of the items that make up top rated auto insurance companies and individuals should also consider a carrier’s financial stability and customer service just as important when it comes to finding the right policy provider. As a matter of fact, most government websites suggest that consumers take the time to make sure that an insurer is in good financial standing and has a decent complaint ratio before purchasing coverage in order to protect one’s self from getting insured with a carrier who may be in financial trouble or have poor customer support.
How to Find Top Rated Insurance Companies
Consumers nowadays have it fairly easy when it comes to locating a quality product and a quality insurer for that matter. With so many consumer watch groups and government publications that have developed over the years, individuals now have access to various helpful tips at their fingertips to utilize when shopping for auto insurance; after all, it is a very important product which should not be taken lightly when purchased.
In addition, thanks to the Internet, motorists can check a companies reputation with ease and in a fraction of the time it would have taken with the methods available in the not to distant past. As consumers set out to purchase automobile policies they usually start out in the same place and begin comparing rates; this should be the first step taken, but not the only one. Once quotes have been found that are of their liking they should check the financial strength of the companies offering them; this show the ability the company has to fulfill their obligations to their policyholders and although it may seem like it could take a bit of time it does not necessarily have to. There are several rating agencies that can be accessed online which provide consumers with an evaluation of the financial ratings of insurers free of charge and this can help from getting covered by a carrier in financial trouble.
The World Wide Web can also be used to check on company’s reputation and customer satisfaction level. One can easily and quickly ensure that a carrier’s customers are generally content with their business practice by visiting state websites such as the Massachusetts Office of Consumer Affairs and Business Regulation which offer the complaint ratios of insurers. Complaints are usually a result of poor customer service and unresolved issues and states keep track of this information for the benefit of residents. Looking into price, financial strength and customer service can help motorists obtain policies from a top rated quality company at a fair rate and may be worth the extra effort.
Many consumers are under the impression that locating the best companies is done by finding insurers that offer the cheapest rates; while price is a very important aspect of getting coverage it is not the only thing that should be taken into consideration when shopping for a policy. Car insurance companies are made up of many factors all of which can be equally important and although the lowest rates for protection are preferred, it may be worth paying a little extra to ensure that you are covered by a quality carrier to avoid any aggravation in the future.
Consumer guides from both private parties and departments of the government as well as most industry professionals tend to agree that competitive pricing is only one of the items that make up top rated auto insurance companies and individuals should also consider a carrier’s financial stability and customer service just as important when it comes to finding the right policy provider. As a matter of fact, most government websites suggest that consumers take the time to make sure that an insurer is in good financial standing and has a decent complaint ratio before purchasing coverage in order to protect one’s self from getting insured with a carrier who may be in financial trouble or have poor customer support.
How to Find Top Rated Insurance Companies
Consumers nowadays have it fairly easy when it comes to locating a quality product and a quality insurer for that matter. With so many consumer watch groups and government publications that have developed over the years, individuals now have access to various helpful tips at their fingertips to utilize when shopping for auto insurance; after all, it is a very important product which should not be taken lightly when purchased.
In addition, thanks to the Internet, motorists can check a companies reputation with ease and in a fraction of the time it would have taken with the methods available in the not to distant past. As consumers set out to purchase automobile policies they usually start out in the same place and begin comparing rates; this should be the first step taken, but not the only one. Once quotes have been found that are of their liking they should check the financial strength of the companies offering them; this show the ability the company has to fulfill their obligations to their policyholders and although it may seem like it could take a bit of time it does not necessarily have to. There are several rating agencies that can be accessed online which provide consumers with an evaluation of the financial ratings of insurers free of charge and this can help from getting covered by a carrier in financial trouble.
The World Wide Web can also be used to check on company’s reputation and customer satisfaction level. One can easily and quickly ensure that a carrier’s customers are generally content with their business practice by visiting state websites such as the Massachusetts Office of Consumer Affairs and Business Regulation which offer the complaint ratios of insurers. Complaints are usually a result of poor customer service and unresolved issues and states keep track of this information for the benefit of residents. Looking into price, financial strength and customer service can help motorists obtain policies from a top rated quality company at a fair rate and may be worth the extra effort.
Car Insurance Quick Quote
Quick Quote is based on the following assumptions.
If the following are not true then the quote provided may not be accurate.
The Proposer and Named Drivers...
* Have been resident and working in Ireland / UK for the past 3 years.
* Have not been refused insurance, or renewal of insurance or had special terms or conditions imposed by an insurer.
* Have no convictions for any motor offence in the past 5 years and no pending prosecutions.
* Have not been disqualified from driving and have not been involved in any accident/ loss and have not had any claims against them in the past 5 years.
* Have no notable medical conditions.
* Do not have any notable medical conditions.
The Car...
* Is not imported, left hand drive, adapted or modified in any way.
The Proposer...
* Will be contacted by Bestquote via email with their quote details during the quote process.
* May be contacted by Bestquote via email after the quote process and may unsubscribe at any stage by replying to the received email indicating so.
PLEASE NOTE:
If you cannot comply with all of these assumptions please contact us on 0818-223-223.
Click here if you have a drink driving or motor conviction and are looking for a competitive quote...
PLEASE NOTE: if you have a drink driving or motor conviction and are looking for a competitive quote...
Bestquote has successfully negotiated a scheme with 2 of Ireland's leading insurers that are specifically designed to ease the pressure on drivers returning to the road following a motor or drink driving conviction.
Please call us on 0818-223-223 to go through details of the scheme and get a highly competitive quote - excellent prices and discretion guaranteed.
By clicking the agree button below I am confirming I have met all the driving and vehicle requirements above and that all information supplied and/or any future information provided will form the basis of the contract between Bestquote Insurance and me.
If the following are not true then the quote provided may not be accurate.
The Proposer and Named Drivers...
* Have been resident and working in Ireland / UK for the past 3 years.
* Have not been refused insurance, or renewal of insurance or had special terms or conditions imposed by an insurer.
* Have no convictions for any motor offence in the past 5 years and no pending prosecutions.
* Have not been disqualified from driving and have not been involved in any accident/ loss and have not had any claims against them in the past 5 years.
* Have no notable medical conditions.
* Do not have any notable medical conditions.
The Car...
* Is not imported, left hand drive, adapted or modified in any way.
The Proposer...
* Will be contacted by Bestquote via email with their quote details during the quote process.
* May be contacted by Bestquote via email after the quote process and may unsubscribe at any stage by replying to the received email indicating so.
PLEASE NOTE:
If you cannot comply with all of these assumptions please contact us on 0818-223-223.
Click here if you have a drink driving or motor conviction and are looking for a competitive quote...
PLEASE NOTE: if you have a drink driving or motor conviction and are looking for a competitive quote...
Bestquote has successfully negotiated a scheme with 2 of Ireland's leading insurers that are specifically designed to ease the pressure on drivers returning to the road following a motor or drink driving conviction.
Please call us on 0818-223-223 to go through details of the scheme and get a highly competitive quote - excellent prices and discretion guaranteed.
By clicking the agree button below I am confirming I have met all the driving and vehicle requirements above and that all information supplied and/or any future information provided will form the basis of the contract between Bestquote Insurance and me.
Minggu, 11 April 2010
Innovative Policy Features - Your Choice Auto®
With Your Choice Auto®, you can enjoy Allstate's high-quality auto insurance coverage, with better protection if you have an accident and more rewards if you avoid them.
Beyond the Basics
Here's just a taste of what Your Choice Auto® only from Allstate can deliver:
Show Accident Forgiveness Video
Accident Forgiveness Helps keep your rates from going up just because of an accident. Even if it's your fault.
Show Safe Driving Bonus Video
Safe Driving Bonus® Introducing the Safe Driving Bonus check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium. This is in addition to any other Allstate discounts you qualify for.
Show Deductible Rewards Video
Deductible RewardsSM You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
Show New Car Replacement Video
New Car Replacement If your new car gets totaled within the first three model years, you can get a new car not just the depreciated value.
See how these innovative features are bundled together in the different Your Choice Auto® packages.
Plus, our Bumper-to-Bumper Basics SM will show you how these unique options might be added to your Allstate auto insurance policy.
Did you know that people who switched to Allstate and bought our Platinum Package saved an average of $480**? Our quick and easy quote tool can show you how switching to Allstate might save you money. Or, you can always talk to a nearby Allstate agent or call 1-866-621-6900 to quote over the phone.
Close
Flash Video
*Check option is an enhancement to Existing Safe Driving Bonus® and is NOW AVAILABLE IN OR COMING SOON to states offering Your Choice Auto®, except New York. May not be available to renewal customers until next policy period. Amounts less than $5 will be applied to renewal bill.
** Savings based on countrywide information reported in 2008 by new Allstate auto customers. Actual savings will vary.
Your Choice Auto®& Accident Forgiveness, Deductible RewardsSM, Safe Driving Bonus®, and New Car Replacement are optional and subject to terms and conditions. NOT AVAILABLE IN EVERY STATE. Patent Pending. Deductible Rewards apply to collision coverage. In NY and PA, deductible amount will not go below $100. In NY, Safe Driving Bonus® is a discount. Safe Driving Bonus® is based on eligible premium for prior policy period (except in NY), and won't apply after an accident. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. Allstate New Jersey Property and Casualty Insurance Company, Bridgewater, NJ. Allstate County Mutual Insurance Company, Irving, TX.
Beyond the Basics
Here's just a taste of what Your Choice Auto® only from Allstate can deliver:
Show Accident Forgiveness Video
Accident Forgiveness Helps keep your rates from going up just because of an accident. Even if it's your fault.
Show Safe Driving Bonus Video
Safe Driving Bonus® Introducing the Safe Driving Bonus check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium. This is in addition to any other Allstate discounts you qualify for.
Show Deductible Rewards Video
Deductible RewardsSM You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
Show New Car Replacement Video
New Car Replacement If your new car gets totaled within the first three model years, you can get a new car not just the depreciated value.
See how these innovative features are bundled together in the different Your Choice Auto® packages.
Plus, our Bumper-to-Bumper Basics SM will show you how these unique options might be added to your Allstate auto insurance policy.
Did you know that people who switched to Allstate and bought our Platinum Package saved an average of $480**? Our quick and easy quote tool can show you how switching to Allstate might save you money. Or, you can always talk to a nearby Allstate agent or call 1-866-621-6900 to quote over the phone.
Close
Flash Video
*Check option is an enhancement to Existing Safe Driving Bonus® and is NOW AVAILABLE IN OR COMING SOON to states offering Your Choice Auto®, except New York. May not be available to renewal customers until next policy period. Amounts less than $5 will be applied to renewal bill.
** Savings based on countrywide information reported in 2008 by new Allstate auto customers. Actual savings will vary.
Your Choice Auto®& Accident Forgiveness, Deductible RewardsSM, Safe Driving Bonus®, and New Car Replacement are optional and subject to terms and conditions. NOT AVAILABLE IN EVERY STATE. Patent Pending. Deductible Rewards apply to collision coverage. In NY and PA, deductible amount will not go below $100. In NY, Safe Driving Bonus® is a discount. Safe Driving Bonus® is based on eligible premium for prior policy period (except in NY), and won't apply after an accident. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. Allstate New Jersey Property and Casualty Insurance Company, Bridgewater, NJ. Allstate County Mutual Insurance Company, Irving, TX.
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