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If you have good coverage on your car, and nobody will be driving it while you're gone, your insurance company will most likely cover your rental car. The rental car agencies don't want you to know this and will charge you an arm and a leg for insurance that you probably don't even need. Make sure you call your insurance agent to find out for sure if your rental car is covered. Your credit card may also supply some sort of coverage...all you have to do is ask.
Find someone with an Entertainment book...You can save a good amount of money on rentals through most of the major companies.
In response to this, yes in most cases your own insurance will cover you in an accident, but you will need to confirm this with you insurance carrier, also your credit card may offer coverage as well. the only thing is that if you are involved in an accident, or some damage falls on the car, (broken windsheild, flat tire) these expenses are paid by you and your insurance company, plus a claim against your insurance. You need to weigh the amount of the possiblity of an accident in which you will have to pay your deductable (for collision and/or comprehensive) even with credit card coverage. You can elect to take out incremental coverage to cover your deductable (You insurance pays the rest) of full coverage, which in some locations is up to $25 dollars a day. Depending on your deductable, (most have a $500, as well as credit card deductables, approx $500) and time of rental you cover yourself against any additional coast if something happens to the car, (Even a flat tire can run up to a few hundred dollars to replace) even through no fault of your own (or unisured motorist, yes thats right, some people still drive without insurance or inadequate coverages)
I say this due to renting cars for an insurance replacement company (one that provides rental cars to tose who have been in an accident and are having their car repaired) and having to make the customer pay their $500 deductable because someone backed into the car at the grocery store.
It is your decision whether you take out the additional coverage, but if your rental period will even be a week, (25 x 5 = 125 (weekly rentals are based on 5 days (24 hours))), as opposed toa 500 or even 350 deduct, or if you have a flat they come and replace the vehicle for you and you go on your way.)
"Chicago is known as the Windy City, and Montana is called the Big Sky State, so I think that we should somehow combine the two to create the ultimate kite-flying experience. "-Mitch Hedberg
This post really doesn't have anything to do with the insurance, but more with good deals on rental vehicles. I've never gone through this site, but it was recommended to me while I was planning for Langerado...
