Finding the Best Rental Car Insurance Rates

Whenever a driver is attempting to get coverage for a specific rental car insurance situation, getting the best rates is going to be an issue of doing the research necessary to know what kind of coverage is required, and who can best provide it.

• Look at what the rental car insurance covers - if the rental car company offers you the kind of comprehensive insurance that covers any and every situation that could possibly happen to you on the road (or off the road), it just might be worth paying some of the rates that are attached to their recommendations. Rental car insurance is generally high, as much as a quarter of the overall rental price, but if it's the only way to get the comprehensive coverage to insure you against the high cost of that vehicle, it might be worth paying.
  
  
• Call your own insurer - in many cases, a driver who already owns a car can get additional rental car insurance for that specific rental, including all kinds of comprehensive insurance coverage for collisions, natural disasters and more. In addition, the existing insurer is may offer this kind of coverage at drastically lower rates than those offered at a counter. When shopping for the best rental car insurance, your first call should be to your existing insurer.
  
  
• Try a nonowner policy - another option for getting rental car insurance is through a third party that offers "non owner auto policy" options. These insurance policies specifically cover a driver for a vehicle that he or she does not own. Rates may vary.

Though these are good places to start when looking for the best rental car insurance for your specific situation, a lot of shopping around is just a question of trial and error. The time you put in will eventually pay off as you seek out the best deals for your rental, your mileage, the number of days you are renting, the year and model of car, and all other factors involved.