Don’t Overlook Rental Care Coverage When Purchasing Car Insurance

When most people think about car insurance, it’s the cost of collision repair, medical bills, or their own liability in an accident that worries them most. What they tend to overlook is the need for their car in the first place. If your car is in the shop getting fixed how are you going to get around?

Most people assume that they already have rental car coverage, when in fact many do not have it.

Other than the obvious convenience that comes with it, the best part about substitution transportation is how cheap it is. Per day coverage at $15 will cover much of the cost of a rental car and the coverage runs at only about $12 a year. Coverage at $30 a day is also available, but the annual cost is a bit higher, about four times as much as a $15-a-day plan.

For some people, a rental car may not be the best option, especially for drivers under 25 or anyone with a poor driving record that may make a rental car company reluctant to rent to them. But that doesn’t mean Substitute Transportation isn’t for you: it can also cover the costs of bus and rail transportation as well as cab fares.

We’ve found that after filing a car insurance claim almost all people correctly buy Substitute Transportation or increase their overall coverage. Save yourself the trouble and start out with full coverage from the get-go.

For more information about your auto insurance, call Hunter Insurance at 401-769-9500.