02-12-2009, 09:32 AM
Eight Fingers: 1st visit w/ your insurance agent. Many policies do not cover non-owned vehicles & if they cover rental cars the time period is limited. I have added the non-owned vehicle rider on State Farm for a couple of extra bucks per month, so it basically covers most contingencies such as loss of use, your stuff in the car, etc. Basically covers everything except your deductible (in that case most of your travel credit cards will pick that up). Also, you can borrow your neighbors car in that case and still be covered.
Also, I have Full Glass coverage for a couple extra bucks a month. Covers all glass w/ no deductible such as if a rock hits your windshield or a vandal decides to break out all of your windows (happended to my friend at a parking lot in Kauai). I have already replaced my windshield for free that way & oops its cracked again (time for a new one).
You have to abide by all rental agency rules or any coverage may be discounted and of course no drinking & driving
Take the normal precautions. Like take your key with you & watch it at all times (I like a neck chain, keeps me from locking myself out). Don't leave anything really valuable in the car. Camera & laptops should go in your day pack (watch them) or secured at the hotel.
Typically the rental companies offer you a fee per day to cover your deductible but last time I put a dent in a rental I would have only saved half of my deductible.
Happy Travels, TheodoreJay
Also, I have Full Glass coverage for a couple extra bucks a month. Covers all glass w/ no deductible such as if a rock hits your windshield or a vandal decides to break out all of your windows (happended to my friend at a parking lot in Kauai). I have already replaced my windshield for free that way & oops its cracked again (time for a new one).
You have to abide by all rental agency rules or any coverage may be discounted and of course no drinking & driving
Take the normal precautions. Like take your key with you & watch it at all times (I like a neck chain, keeps me from locking myself out). Don't leave anything really valuable in the car. Camera & laptops should go in your day pack (watch them) or secured at the hotel.
Typically the rental companies offer you a fee per day to cover your deductible but last time I put a dent in a rental I would have only saved half of my deductible.
Happy Travels, TheodoreJay