Rental car insurance: what you need to know

There are a few ways a driver can get insurance for a rented car:

Buy auto insurance online

The easiest way to get coverage is to buy auto insurance online. To do this, the drivers visit the insurer’s website and get a quote. They will need some personal information and details of any accidents or traffic violations that have occurred in the past three to five years. They will also need to know the make and model of the vehicle, as well as the lessor’s insurance requirements.

It is quite easy to compare quotes from different insurers to find cheap auto insurance. Once a driver has a policy quote they like, most insurers will allow them to purchase that policy directly from the website. Coverage can often begin on the same day.

Buy auto insurance from an independent agent

Not all insurers allow online quotes. If so, the driver must speak to an agent, usually by phone, to get a quote. Independent agents work with different insurance providers and can help drivers compare quotes from multiple companies to find the best deal.

The process is similar to getting an online quote. The driver gives their insurer all the details needed to get a quote and then the agent gives them the price. If the driver wishes to proceed with the purchase, he provides the agent with payment information and the agent completes the transaction on his behalf.

Buy auto insurance from an insurance company agent

Some companies only sell insurance through captive agents. This means that they only work for a single company, unlike independent insurance agents. Getting a quote from one of these companies is equivalent to working with an independent agent. However, drivers will have to contact other companies on their own if they want to compare quotes.

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