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What does my auto insurance policy cover when I rent a car?
It depends on your policy. The best thing is to review your policy or ask your insurance agent. For example, your policy may cover cars rented for pleasure, like vacations or special events, but not for business.

 

Car Insurance

There are four main factors that can keep auto insurance rates or cost down. See if you fall into any of the following categories. If you do, you may be able to save money on your car insurance regardless of the value of your automobile.

  • If you are looking to buy a car, consider buying a car that "looks good" to insurance companies. For instance, insurance companies know what kinds of cars are prone to problems. They also know what kinds of cars are most often stolen. If you haven't purchased your car yet, find out what cars make this "good list" among auto insurers.
  • Consider carpooling or using public transportation to get to work. The less you use your car, the less your insurance will cost you.
  • Most car insurance companies offer discounts for a variety of reasons - for example, good students, having more than one car insured and accident-free driving are all worth a discount. Ask insurance companies about specific discounts that may be available to you.
  • Finally, drive carefully! car Insurance companies are not happy to insure accident-prone drivers, so the safer you drive, the less you will have to pay for auto insurance.


The factors that affect the price of auto or car insurance have to do with who you are. Your age, sex, marital status and driving record are all taken into account when you buy an insurance policy. Accident rates are higher for drivers under the age of 25, so if you are young, expect to pay a little more. The best way to figure out your own auto insurance requirments and needs is to carefully examine potential policies offered by different companies and know how much you are willing to gamble. For instance, it may not be worth it to you to purchase collision insurance for your car if your car is not incredibly valuable and would therefore cost less to fix than to keep insured.

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