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The Availability Of Auto Insurance In San Diego For Car Rentals

Rental cars are in use all over the United States of America and even worldwide. Auto insurance in San Diego does cover rental cars like any other car but the element of risk always remains high as rental cars are used by loads of different people travelling to various places and run the risk of damages and accidents as compared to other city vehicles.

The big question is whether car insurance plans for rented vehicles are worth it. Insuring car rentals is always a difficult task. What usually takes place is that customers are questioned as to their purchasing additional insurance coverage for the rental car to be used.

What most of us don’t realize is that our existing car insurance plans may cover the cost of insuring such rental cars as well. Checking one’s own policy before going on trips and renting a car will help since this will curb additional expenses. The question is if your existing policy covers your own car will be worth the money to buy additional coverage for rental vehicles which you may use a few times when you’re on vacation.

One good solution to this predicament is the option called the CDW or the option for waiver of any collision damage which extends over both damages to rental vehicles if any and charges of the companies for any loss of use. The second element is generally not covered by personal insurance plans and therefore this daily waiver charge may act as a life-saver in emergencies.

Also, rental companies would want to be paid on the spot and waiting for your insurance company to provide coverage amounts would be awkward and next to impossible while you’re on a holiday. Therefore, paying this little daily fee would keep you free from such hassles too.

It is very important to be aware of whether your policy extends to rentals or not. According to a survey by the National Association of Auto Insurance Commissioners, there were almost 42% of drivers who admitted to rampant confusion or little knowledge about insurance policies. Also, about 34% reportedly purchased special insurance for their rental cars as they wanted to gain thorough coverage for their rental vehicles without taking a look at their own auto insurance package.

There are also options for coverage via credit cards. Quite a few credit card companies provide coverage for stolen cars or damages on account of collisions. However, some additional surcharge payments to the rental companies on account of extensive damage may not be covered under existing insurance plans or credit cards. It is better to opt for insurance from the rental counter at these times.

Insuring car rentals is often done by your existing car insurance plan and auto insurance in San Diego has good coverage for damages incurred while driving rental cars. It is therefore the best way to conduct thorough research on your own plan before going on a holiday or a trip. For free comparison of quotes and information on providers, just type in the zip code of your area and click! It is better to be safe than sorry!