After several years of avoiding vacation, many people are deciding to get back to the great American pastime, the vacation. You book your flight and your hotel, and then it is time for the rental car, and it can get very scary. At Precision Insurance Team in Mesa, AZ, we have a team of insurance experts who can help to answer any questions that you may have about rental car insurance. 

Does auto insurance cover a rental car?

Renting an automobile is not inexpensive. No one wants to pay more for their rental than they absolutely have to. That’s why being able to use your own auto insurance can really help. If you lease your vehicle or have an auto loan, you will have collision and comprehensive coverage, which means that you will also have that if you rent a vehicle. 

What you need to have a rental vehicle covered, you must have a full coverage auto insurance policy. Whatever you have for coverage on your vehicle will cover you when you rent a vehicle. If you have any questions about your coverage, you should give your carrier a call to verify what you have. 

Your normal auto insurance coverage will cover you for a vehicle rental in the US or Canada. It will not cover you if you want to rent in Mexico or Europe. The other option is to check with your credit card company to determine if you have a car rental as a perk. Some credit cards do offer this, and they will then become the primary coverage when you use that card to cover your rental. 

If, however, you are concerned about having an accident and the resulting rise in premiums on your auto insurance, you can just get your vehicle coverage from the car rental company. 

Reach Out To Us

Call Precision Insurance Team in Mesa, AZ when you are ready to discuss auto insurance. 

As a Mesa, AZ driver, you know how important it is to keep your vehicle in good condition. After all, your car is one of your most valuable assets. By taking care of it and following a few simple tips, you can extend the life of your vehicle and save money in the long run.

Extending the Life of Your Vehicle:

1. Get Regular Oil Changes

One of the best ways to extend the life of your vehicle is by getting regular oil changes. Getting an oil change every 5,000 miles will ensure that your engine stays well-lubricated and runs smoothly. The breakdown of oil over time makes it less effective at lubricating and protecting your engine.

2. Get Regular Maintenance Checks

To keep your car running correctly, it’s essential to get regular maintenance checks. During these appointments, your mechanic will check fluids, brakes, and tires. They will also look for any signs of wear and tear. By catching problems early, you can avoid more severe and expensive repairs down the road.

3. Keep Your Tires Inflated

Extend the life of your vehicle by keeping your tires inflated. Properly inflated tires last longer and provide better fuel economy. Check your tire pressure at least once a month to ensure that it is properly inflated. Follow your car’s owner’s manual recommendations for the correct pressure.

4. Maintain Your Auto Insurance

Maintaining auto insurance is not only required by Arizona law but also essential for protecting your vehicle. If you are involved in an accident, auto insurance will help pay for repairs to your car. Make sure you have adequate coverage by speaking with one of our experienced insurance agents at the Precision Insurance Team.

Contact Us Today

By following these simple tips, you can extend the life of your vehicle and save money in the long run. Contact the Precision Insurance Team for all your Mesa, AZ insurance needs.

Getting auto insurance in Arizona requires getting all of the required types of coverage that are mandated by the state. While some are required to be in kept in place, others are eligible for you to reject them. It’s important to know what you have to keep and what you can reject if you should choose to. When you need to have auto insurance coverage in Arizona, call us today at Precision Insurance Team in Mesa, AZ.

Liability Auto Coverage

There are two types of liability coverage that are required to be in your auto policy and three separate coverage amounts. There is one amount of bodily injury liability coverage required for one person who is injured in an accident that you are liable for. There is a second amount required for everyone in the accident who is injured. There is a third amount required for property damage liability. All three of these come with low minimum amounts in the state of Arizona. It’s a good idea to increase the amount of coverage you have over the minimum that is required. 

Other Coverage

There are also two other types of insurance that are included with auto insurance in Arizona that you can actually reject if you choose to. These are coverages for uninsured motorist bodily injury coverage and underinsured motorist bodily injury coverage. These are useful to have in case you are hit by one of these motorists, but you are free to reject them from your policy when you talk to your insurance agent. 

Get Covered in Arizona

To keep your ride legal, it has to be insured. To get the insurance you need, you can call us at Precision Insurance Team in Mesa, AZ to find out more and to get started with an auto policy of your own. 

The quick answer? Most likely, yes. In Mesa, AZ and surrounding areas, lenders typically require borrowers to have comprehensive auto insurance to get a car loan. Precision Insurance Team provides this guide in navigating this important coverage. 

What is a Comprehensive Insurance Policy?

Comprehensive insurance is sometimes called “other than collision” coverage. It pays to repair or replace your car if it’s stolen, vandalized, or damaged by fire, hail, flood, or another covered event.

Comprehensive insurance is optional in most states, but as we mentioned, it’s typically required in Arizona if you have a car loan. You can find out more about the requirements with the Precision Insurance Team.

Lenders Require Comprehensive Insurance for a Reason

Your car is collateral for your loan, so the lender can repossess your vehicle if you can’t make your payments. To protect their investment (and yours), lenders want to ensure you have insurance if something happens to your car.

Comprehensive insurance is the best way to do that since it covers many potential risks. If you only have liability insurance, it will only cover damage or injuries that you cause to others—not damage to your own vehicle.

Remember that even if your lender doesn’t require comprehensive insurance, it’s still a good idea to have it. After all, you don’t want to be stuck with an enormous repair bill or have to replace your car if it’s stolen or vandalized.

Are There Any Add-ons I Want to Consider?

There are a few add-ons to consider when getting comprehensive auto insurance in Mesa AZ, such as:

• Rental reimbursement: This pays for a rental car while your vehicle is being repaired after a covered event.
• Roadside assistance: If you break down, this pays for towing and other emergency services.
• Custom parts and equipment: This covers damage to any customizations or aftermarket additions to your vehicle.

Give Us A Call

The experts at Precision Insurance Team in Mesa, AZ will help you choose the right coverage and add-ons for your needs.