Call Us Today:
800.783.4678
Get An Auto Quote Get A Home Quote

The Facts Behind Rental Car Insurance

Travelling is expensive enough.  Between airfare, accommodations, and dining, the costs of a vacation or business trip can quickly add up.  For this reason, it is important to save money wherever possible.  One area of potential savings can be found in rental car insurance.

Do I really need rental car insurance?

For most drivers, the answer is likely to be no.  The fact is that a driver's personal insurance coverage extends to a rental car in most situations.  If you have liability, comprehensive, and collision coverage on your personal auto policy that coverage should extend to your rental vehicle.  Purchasing rental insurance would literally provide you with duplicate coverage.  As always, be sure to check with your local insurance agent in order to best understand your policy.

What does rental car insurance really provide?

Most rental car insurance policies have similar features.  Here are some of the most common:

1. Damage Waivers

Damage waivers provide coverage in the event of a damaged or stolen rental care, although this coverage may not apply if the car is misused (ie driving on unpaved roads, driving under the influence, etc.)  If you have comprehensive and collision coverage on your personal auto policy damage waivers may not be necessary.

2. Supplemental Liability

Supplemental liability coverage provides additional liability protection if you are in an accident that is determined to be your fault.  If the other party files a claim against you that exceeds your regular policy limits, your supplemental liability coverage comes into play.  If you have adequate liability coverage, however, purchasing supplemental liability may be unnecessary.  If you feel the limits on your personal auto policy are too low, contact your local insurance agent for a quote on an umbrella policy.

3. Personal Effects Coverage

Personal effects coverage protects personally-owned items and property in the event they are damaged while inside the rental car.  If you have homeowners or renters insurance you likely do not need to this coverage, although you may have to satisfy your deductible.

How else can I protect myself?

Before going to pick up your rental car, speak with your insurance agent.  A short phone call could end up saving you hundreds of dollars and provide you with a better understanding of your policy and your insurance needs.

Our Locations

North Pittsburgh

508 South Main St.
Zelienople, PA 16063
Main office: 724-452-2300
Toll free: 800-783-4678

Lancaster Office

301 Main Street, Unit F
Landisville, PA 17538
Main office: 717-892-6717
Toll free: 800-800-1999

Southeast Pittsburgh

1255 S Main St
Greensburg, PA 15601
Main office: 724-838-0940
Toll free: 800-800-1999

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.