Does Liberty Mutual car insurance cover rental cars? Before you pick up a rental a car, it’s always a good idea to find out whether you need additional rental coverage to avoid overpaying. If you have Liberty Mutual auto insurance, you are also covered for rental cars. The caveat is that the coverage extends to the same limits of your personal auto policy.
Your Liberty Mutual auto insurance should cover your rental as long as the vehicle is of similar value to the one you already own. But if you own a Chevy Spark with 230,000 miles on it and rent an upscale SUV, you may be underinsured.
Liberty Mutual Car Insurance Covers Rental Cars
Does your Liberty Mutual car insurance cover rental cars? It should cover your rental car up to the same limit as your regular vehicle. So, if you have an older car that has racked up a ton of miles, you may not have sufficient coverage for a full-size or luxury rental car.
If you didn’t do any homework before you rented the car, you may want to opt for the collision damage waiver (CDW) at the counter to be safe—or better yet, save money by purchasing inexpensive insurance from a third-party provider before driving off the rental car lot.
If you had an accident in a rental car, you would pay the deductible on your auto insurance policy before the car rental insurance kicks in and covers the rest. Also, you may be able to use a credit card with secondary insurance coverage to help cover any extra charges.
6 Reasons to Buy Rental Car Insurance
Even when you have a good level of coverage, sometimes it’s better to purchase additional rental car insurance. Such circumstances include:
You don’t want to pay the deductible in the event of an accident. If the deductible on your auto insurance is high, it would apply to your rental car, too. It may give you peace of mind to just fork up for car rental insurance and know you won’t pay end up on the hook for more than that amount.
You don’t want to make a claim on your personal insurance. Maybe you recently had a claim and don’t want your premium to explode. Two claims in one year can raise your insurance rates significantly, so you may want to err on the side of caution and buy insurance.
Report a Claim with Liberty Mutual
Your own coverage is spotty. If your Liberty Mutual auto policy isn’t comprehensive, you might want to buy the CDW. You might want to pick up personal accident insurance if you have skimpy health insurance. If you don’t have liability coverage, you may want to buy that.
Your coverage limits are low. If you’ll be driving in an unfamiliar area or bad weather and nervous about possible damage to the vehicle, you might consider either raising your coverage levels or picking up additional coverage from the rental car company or a third-party provider.
You’re renting an expensive vehicle. Remember, your Liberty Mutual auto insurance will only cover up to the limit of your own vehicle’s policy. You may want to beef up coverage for a luxury rental. Always be sure to check your coverage limits.
You’re renting in another country. With Liberty Mutual, you’re covered for rental cars in the US and Canada. If you’re traveling outside these two countries, you’ll need to purchase supplemental insurance. (Mexican rentals require extra insurance anyway.)
Frequently Asked Questions
Which company is the largest in car rental?
Hertz Corporation is America’s biggest car rental company. Harry Hertz founded the Hertz Corporation in 1919.
Hertz Corporation is present in over 6,000 locations throughout North America, Europe Asia-Pacific, Latin America and Asia-Pacific. The company also owns other businesses such as hotels, financial services and automobile parts manufacturing.
Today, the company has almost 4 million employees worldwide.
What age do you need to be to rent an automobile in Europe?
Driving legally in Europe is a requirement for most countries. You may be able to rent a car from an adult, usually over 25, if you’re under 18. However, the age limit for renting cars varies depending on where you live. In some places, you may even be able to rent a car without being older than 15.
What is needed to rent a car in Europe?
To find an affordable rental car in Europe, you must check several websites such as Alamo, Sixt, Europcar, Hertz, or Avis. Also, you should consider booking online.
You must ensure that you have all of the necessary information before renting a vehicle, and this includes but is not limited to:
- Your full name including any middle names (if any)
- Your current address
- Date, time and place of pickup
- Name and model of the vehicle that is rented
- Name of insurance company and policy number
- Requests for extra equipment
- Details of the rental agreement, such as duration, rate, deposit and balance due at the conclusion of the trip, excess charges or limits of liability and cancellation penalties, are included.
- Payment methods (credit card or debit card, cash, personal cheque, or cash)
After you have obtained all the necessary information, you are able to book your vehicle with the company listed above.
Statistics
- I’d say 70% of the time, we have a hassle-free encounter, but there have been certain companies that we prefer not to use anymore. (theworldpursuit.com)
- You can rent an automatic but these cars can cost as much as 50% more than a manual vehicle. (earthtrekkers.com)
- Automatics are more expensive (usually about 50 percent more) and may only be available if you upgrade to a bigger, pricier car. (ricksteves.com)
- The perks vary from partner to partner, but you can expect discounts of up to 35 percent on some rentals and the ability to earn anywhere from 50 bonus American AAdvantage miles per day or 500 per rental. (afar.com)
- Save up to 30% on your rental car in Europe when you book with us today. (autoeurope.com)
External Links
alamo.com
autoslash.com
kayak.com
sixt.com
How To
Here are 12 things you need to know about renting a car in Europe
What should I know when renting a car in Europe?
You need to be familiar with the basics of renting a car in Europe before you start driving. A lot depends on what type of rental car you choose. Here’s a list of must-know tips to ensure your trip goes smoothly.
- Your insurance policy. Check your auto insurance coverage before you take to the roads. Our guide will help you find affordable car insurance abroad.
- The right documents. You will need your driver’s license from the country you are in, as well as multiple identification cards (passports or visas). To prove your identity and whereabouts. You should have these documents in hand so that you don’t miss deadlines.
- Road Rules. Traffic laws in your area. Be sure to pay attention for signs warning of speed limits, one -way streets, pedestrian crossings, etc. Driving in an unfamiliar country could result is fines or even accidents.
- Parking rules. Parking regulations vary from one city to the next. Before arriving in town, be sure to review parking regulations.
- Gasoline. Gasoline. Prices vary depending on location and country. But, generally speaking, gasoline costs three times as much back home than it does there.
- Insurance requirements. Rentals older than 3 years may require additional liability insurance. Talk to your rental company for details.
- GPS navigation systems. GPS navigation systems are becoming increasingly popular among travelers. You should bring a map along and ask for directions if you aren’t familiar with the use of these GPS navigation systems.
- Radio stations. The radio station in the region you’re visiting might play music that sounds foreign to you. Press “0” to change frequency to English.
- Seatbelts. Most European countries require seatbelts.
- Road tolls. All over Europe, there are many road tolls. Most can be paid at meters at major intersections.
- Speeding tickets. Speeding is prohibited in large areas of Europe, such as Germany, Austria and Switzerland, Italy, France and Spain.
- Tipping. Tipping is not as common in Europe as it is in North America. Tipping is not a common practice in any part of the world. Instead, give a number such as 10% to 15%.
