Yes & no. Your personal auto policy will provide liability coverage and physical damage coverage equal to the coverage you have on your own cars, for the car you rent. However, many rental car contracts have language in them that requires you to replace the car with a brand new version while your insurance policy will pay to replace the car with like kind and quality.

No. We want to be your insurance adviser for a long time. Our goal is to partner with you to get the best possible price for the most complete coverage. If your auto policy cancels in the first 6 months for non-payment- reinstatement will come with a higher premium and takes us away from our goal.

This is a good opportunity to ask questions. Ask what their contract stipulates in the event the car is totaled. Ask if they offer just physical damage coverage instead of full coverage. If you have the choice to just buy physical damage coverage and there is real savings between that and full coverage then go with the physical damage coverage.

No. The minimum limits give you enough coverage to legally drive, but it’s not a limit that we feel comfortable releasing our clients with. Often to double the coverage the price increase is barely noticeable.