Smart Auto Insurance Blog

It’s not always the best idea to automatically decline the auto rental insurance that rental companies offer their customers according to the article “Don’t Automatically Refuse Extra Rental Car Insurance Coverage” by Michelle Crouch on creditcards.com.  It’s important to do your homework and ensure that you are covered when you rent an auto.

In recent years auto rental companies have started adding extra fees for damages to the rental.  These are often not covered by the auto insurance companies or credit cards.  This is where research is important.  How much are the fees and are you covered.  Most major credit cards offer some form of auto rental insurance, but it doesn’t always cover the extra fees charged by the rental companies.  It’s important to look into.

Most auto insurance companies also offer some form of coverage for renting a car.  But again, it’s hard to tell if it will fully cover all costs associated with the damages.  If you rent an auto often it will be worth your time to shop around and compare auto insurance benefits.  They can vary greatly from company to company.  Bottom line, educate yourself.  Always read the fine print and be sure you are not paying twice for the same coverage.  But at the same time, ensure you have enough coverage.  It’s a fine line, but as a responsible consumer it’s in our hands to protect ourselves.

Many people do not realize that you can rent a motorcycle for short periods of time.  You can enjoy the sublime feeling of riding on a beautiful day without the commitment of purchasing a motorcycle outright.  According to the article “Yes, Motorcycles Can Be Rented” by Dan Sorenson on azstarnet.com, rates for renting a motorcycle for a day can range from $99 to $200.

The more expensive ranges for renting a motorcycle usually include higher end models and insurance coverage.  If you owned a motorcycle you would purchase a separate policy through a company that offers motorcycle insurance, such as Dairyland Insurance, but through renting you can get that included.

Most rental companies have basic requirements for renting a motorcycle.  You must be 21 years old or older, have a valid driver’s license which includes a motorcycle endorsement, and a deposit with a credit card good with at least $1000 in available credit.