When you are going to be renting a car for vacation or a business trip, there are several ways to go about getting insurance. Most often your own automobile insurance will cover the car, but many rental agencies mandate that you take extra coverage on their vehicle, especially if you don’t carry collision on your own vehicle. It is possible to take out a Collision Damage Waiver (CDW) with the rental company, but you can also get car rental insurance free online quotes quite easily. There are a number of options to choose from but most companies have certain restrictions when underwriting a CDW for a rental vehicle. The first thing to be aware of is that the amount is usually based on the number of days you will have the vehicle. Coverage needs to be in force for all partial days as well as all full days. For instance, if you are going to take the car on a Friday afternoon and return it on Monday afternoon, you would be paying for four days of coverage.
Friday, Saturday, Sunday, and Monday all need to be covered even though it is only a 72 hour timeframe. In other words, if the CDW cost $10 per day, you would need to pay $40 plus any other taxes or fees that would be assessed. Not all CDW policies are the same so it would be necessary to get car rental insurance free online quotes. One thing that is pretty standard is that most of the policies you can buy online would be cheaper than the CDW’s the rental company would sell you. Take advantage of online comparison quotes to find the coverage you need at the most reasonable price you can find. Just be aware of the fact that most policies don’t cover that rental within a specified number of miles from your home.
