USAA Car Insurance: 10 Essential Rental Car Coverage Tips

Introduction

Renting a car can be a convenient and cost-effective way to explore a new city or get around during a business trip. However, it's important to understand your car insurance coverage before you hit the road. USAA offers comprehensive car insurance policies that provide coverage for rental cars, but there are some important things to keep in mind.

Is Rental Car Coverage Included with USAA Car Insurance?

Yes, USAA car insurance policies include rental car coverage. This coverage provides liability, collision, and comprehensive protection for rental cars. The amount of coverage you have will depend on your policy limits.

How Much Rental Car Coverage Do I Need?

The amount of rental car coverage you need depends on a number of factors, including:

• The value of the rental car
• The length of your rental period
• The location where you will be driving

If you are renting a car for a short period of time and will be driving in a safe area, you may not need to purchase additional coverage. However, if you are renting a car for a longer period of time or will be driving in a more dangerous area, you may want to consider purchasing additional coverage.

How to Purchase Additional Rental Car Coverage

You can purchase additional rental car coverage through USAA by:

• Calling your USAA agent
• Visiting the USAA website
• Using the USAA mobile app

Common Mistakes to Avoid

There are a few common mistakes that people make when it comes to rental car insurance. These mistakes can lead to unexpected costs and headaches. Here are a few things to avoid:

• Assuming that your credit card provides rental car coverage. Many credit cards offer rental car coverage, but it is important to read the terms and conditions carefully. Some credit cards only provide limited coverage, and you may need to purchase additional coverage through USAA.
• Not purchasing additional coverage for higher-value rental cars. If you are renting a high-value car, you may want to consider purchasing additional coverage to protect yourself in the event of an accident.
• Declining the rental car company's insurance. The rental car company will likely offer you insurance coverage. However, this coverage is often expensive and may not provide the same level of protection as your USAA policy.

FAQs

Here are some frequently asked questions about USAA car insurance and rental cars:

Q: What does USAA rental car coverage include?

A: USAA rental car coverage includes liability, collision, and comprehensive protection for rental cars.

Q: How much rental car coverage do I need?

A: The amount of rental car coverage you need depends on a number of factors, including the value of the rental car, the length of your rental period, and the location where you will be driving.

Q: How do I purchase additional rental car coverage?

A: You can purchase additional rental car coverage through USAA by calling your USAA agent, visiting the USAA website, or using the USAA mobile app.

Q: What are some common mistakes to avoid when it comes to rental car insurance?

A: Some common mistakes to avoid include: assuming that your credit card provides rental car coverage, not purchasing additional coverage for higher-value rental cars, and declining the rental car company's insurance.

Table 1: USAA Rental Car Coverage Limits

Table 2: Average Cost of Rental Car Insurance

Table 3: Effective Strategies for Saving Money on Rental Car Insurance

Table 4: Common Mistakes to Avoid When Renting a Car