When you’re traveling, a rental car is often the best option to help you get where you need to go. However, once you’re at the counter, the rental representative often presents you with a number of confusing options, including optional auto insurance for the rental vehicle. While there may be some instances where this optional insurance policy can be beneficial, many drivers may not need it in the first place, as many drivers already have coverage through their car insurance policy. Here’s what you need to know before deciding to purchase this optional coverage.

Your Policy May Cover Your Rental Car

Many drivers will already have the protection they need for their rental car through their personal insurance policy. Before heading out on your trip, take the time to review your coverage. If you already have comprehensive coverage as well as collision insurance for your personal vehicle, those coverage limits will often extend to any rental car you drive. If this is the case, the optional coverage is redundant and an unnecessary expense. Furthermore, if you make the reservation with a credit card, your credit card company may offer additional coverage, making the rental company’s optional policy even less desirable.

What About Protecting Personal Items?

Most rental agencies provide personal property protection as part of their auto insurance package. However, if you already have a homeowners insurance policy or renters insurance, your personal property is already covered. Keep in mind, it’s always a good idea to review the personal property protection details of your policy prior to traveling, as the coverage also extends to hotel rooms.

Medical Payments Are Also Covered

Rental car insurance often covers medical payments as well as coverage for the vehicle itself. However, your personal auto insurance policy also provides this coverage. If the coverage limits on your personal policy are equal to or greater than the ones offered by the rental car company, consider forgoing their insurance coverage and using your own.

If you’re getting ready for a vacation or business trip and want to make sure you’re covered on your auto insurance policy, contact Farmers Insurance Group in Mountain Grove, MO. We’ll take the time to go through each aspect of your policy to make sure you’re fully protected before you get behind the wheel of a rental. If there are any gaps in your coverage, we’ll help you find the right policy for your needs so you can drive with confidence. Request a free auto or motorcycle insurance quote online and call (417) 926-7900 to discuss your coverage needs today.