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San Antonio, TX 78249

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Shavano Insurance Agency, LLC Blog

Does my auto insurance cover a rental vehicle

Planning for a vacation is one of the many joys of life. You get your flights, you book your hotels, you get tickets to the events you plan to enjoy, and you reserve your rental car. That is where the fun ends. These days we book most things online, and when you go to rent your vehicle, there will be lots of questions to answer. What size car do you want, do you want to return the vehicle with a full tank, do you want to rent a GPS, and the all-important do you want to take our insurance?  Such a simple question shouldn’t cause so much anxiety. At Shavano Insurance Agency, LLC in San Antonio, TX, we want to help our customers to avoid anxiety, and we have a team of experts you can turn to for difficult questions. 

The simple answer to the question, "Does my auto insurance cover a rental vehicle?" is maybe. It depends a lot on what your personal vehicle is and the amount and type of auto insurance that you carry. If you have a clunker and don’t carry collision and comprehensive, then you will not have the coverage on your policy that is required by a rental vehicle company. If you have a new vehicle with lots of coverage, you probably have enough insurance to rent a vehicle without worrying. 

The insurance offered by the rental company takes a couple of different forms. You can buy additional liability insurance if you feel that yours is not enough. You can also buy the collision and comprehensive coverage you may be missing. These types of coverage can double the cost of your rental. Another possibility is to check with your credit card company. Many of them offer rental car insurance coverage. 

Renting a car doesn’t have to be stressful. Check with us at Shavano Insurance Agency, LLC in San Antonio, TX to determine if your personal auto insurance coverage is adequate. Give us a call or stop by our office to discuss your auto insurance needs.

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