Types of Car Rental Insurance

Before buying rental car insurance, spend some time learning what type of coverage you will be getting. While the most common coverage is collision waiver, it is not the only type. As with any other types of car insurance, you need to read the fine print and ask questions before buying. This type of insurance removes the risk in the event of an accident to the car rental company instead of the renter. The cost of this type of policy can run up to $20 or so per day.

Other types of rental car insurance are:

Personal accident: While useful, this type of car rental insurance is also normally covered by your car insurance policy. This policy covers medical and ambulance costs in the event of an accident. Liability insurance: This is generally covered by regular car insurance so car owners may not need this. Personal effects: This policy is good when traveling with personal effects that may be stolen from a car. Most regular insurance doesn’t carry this, so it may be worth purchasing from a car rental company. This should be purchased if you will be traveling with valuables such as laptops.

What Should You Do?

Before deciding to pay what can add up to a hefty sum for car rental insurance, check your current insurance or call your agent. By doing this, you will be able to determine what coverage you already have and if it also applies to a rental vehicle.

For people who rent cars on a regular basis, it would be cheaper to protect yourself by increasing your regular car insurance coverage. Taking out insurance coverage every time a car is rented would add up over time. If your own insurance company doesn’t cover a rental car, still look around before signing on the dotted line at a car rental company.

If you do not own a car and therefore do not have car insurance, but plan on renting more than once for the year, consider getting non-owner liability insurance. This is ideal for frequent renters since the cost can range anywhere from $200 to $600 per year.

In short, in most cases, paying for car rental insurance may be redundant if you are already covered by your own company. The safest thing to do as a car owner is to ask your car insurance company what you are covered for. In most instances you will find that you do not need additional coverage.

Before you choose NOT to select car rental insurance when renting a car, it is important that you are completely covered from another insurance source. If not completely covered, you could end up in a financially devastating situation.

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An often unexplored avenue for someone seeking a used car is the car rental industry. Buying a used car from these companies is not much different from buying from an individual or car dealer. The same checks must be performed to ensure roadworthiness and reliability. There is however growing support for the idea of individuals buying their cars used from rental agencies.

Advantages of Buying from a Rental Car Company

The landscape is practically littered with car rental companies jockeying for market share. It is important to remember that the standards of each company may vary, and you should seek to buy only from reputable enterprises. Advantage s of buying your used car from a rental agency includes:

They are usually better maintained than privately owned vehicles There is usually a wide selection to choose from The company usually keeps meticulous records regarding servicing, accidents etc. They are usually sold after two years of service to bring in new models They usually come with what is left of the manufacturer’s warranty

The Disadvantages of Buying a Used Rental Car

The disadvantages are pretty much the same as those for buying from an individual or dealer. There is of course the added element of uncertainty since they are usually driven by so many different people. Disadvantages include:

Accidents that cause minor damage may not be reported There is no way of knowing how the car may have been handled by any of the various renters Prices tend to be higher than they would be for the same model and year car at a dealer. Unlike used car dealers also, the car rental companies are rarely willing to haggle.

What You Should Do Before Buying

If you plan to buy a used car or truck from a rental car company there are steps you must take to protect yourself. These include:

Have your mechanic properly inspect the car on a lift Perform a vehicle title search or ask for a history report Take the car for a test drive to see how it handles

Even if you pay an independent mechanic to inspect the car and then decide not to buy it, you should not consider it a waste of money. This probably saved you repair bills and headaches in the long run. Keep in mind that damage may be repaired at the car rental company’s own shop, and may not even be reported. A proficient mechanic should be able to spot even small telltale signs of repair.

There are many buyers of used cars and trucks from rental companies that are happy with their purchases. Many people are initially hesitant to buy from rental companies, possibly because of witnessing deliberate abuse of rental cars. Be sure to buy from a well known car rental company and follow the advice provided above. This way you too could be happy if you decide to purchase from a car rental company.

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If you are not happy about the condition of your home you can always fix it up to your likening. You can re do the windows, paint the inside and outside of the home, you can even add room or make rooms bigger. If you are finding that the neighborhood is bringing you down, there is not much to do except sell. Before you place you house on the market, however, you will want to fix up any major issues, especially on the outside. If the outside of the home needs work anyone looking to purchase a home will drive right by yours. Be sure the front of your house has curb appeal and you will be sure to get people into your home and interested in making a purchase.

If your home is driving you crazy because of all the unfinished projects and you are good with the area in which you live then you can take measures to improve that. People sometimes get stuck in fixer upper ruts and can use a hand to get some things finished. Redoing a kitchen can mean washing dishes in the bathroom sink for months and that is a really big drag. Especially if you only have one working bathroom. If you don’t have ready cash to get a few projects finished then it is time to look at some options.

One options that you have is to refinance your home. This will not only give you the needed cash to finish up your projects, but if the interest rate is lower than what you are currently paying then you will also end up saving money on your monthly mortgage payments. Therefore, you can start on finishing up the reconstruction with the money you get from refinancing and then have a few extra hundred each month to continue paying for all the projects that still remain.

Another option is applying for an equity line of credit. If you have accrued equity in the house then you might be able to have that amount available to in in a credit line. This could mean that you have thousands of dollars that you can use to finish certain aspects of your house. Possibly the entire thing. How nice would that be. You get the house exactly like you want it, finally. It would certainly make life a lot more pleasant to have a comfortable peaceful home that you can afford.

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