Are you planning to rent a car for your next vacation or business trip? If you’re a member of USAA, you’re in luck. USAA offers rental car insurance coverage that can provide you with peace of mind when you hit the road.
What is USAA Rental Car Insurance?
USAA rental car insurance is an optional coverage that can be added to your auto insurance policy. It provides protection for the rental vehicle you’re driving and can also cover any damages or injuries you cause to others while driving the rental car.
When you rent a car, you’re typically offered various types of insurance coverage by the rental car company. However, these options can be confusing and expensive. USAA rental car insurance can be a more affordable option and can provide you with the same or better coverage.
What Does USAA Rental Car Insurance Cover?
USAA rental car insurance offers two types of coverage:
1. Physical Damage Coverage
This coverage pays for damages to the rental car if it’s stolen, vandalized, or involved in an accident. It also covers the loss of use of the rental car while it’s being repaired, which can save you from having to pay for a replacement rental car.
With USAA’s physical damage coverage, you won’t have to pay a deductible if the rental car is damaged or stolen.
2. Liability Coverage
This coverage pays for damages or injuries you cause to others while driving the rental car. It includes bodily injury and property damage liability coverage.
USAA’s liability coverage provides up to $1 million in coverage, which can give you peace of mind in case of a serious accident.
How Much Does USAA Rental Car Insurance Cost?
The cost of USAA rental car insurance depends on several factors, including:
- The type of coverage you choose
- The length of your rental period
- The type and value of the rental car
USAA rental car insurance typically costs between $10 and $25 per day, which can be significantly less expensive than the insurance offered by rental car companies.
How to Add USAA Rental Car Insurance to Your Policy
Adding USAA rental car insurance to your auto insurance policy is easy. You can do it online or by calling USAA’s customer service.
When you reserve your rental car, make sure to decline the rental car company’s insurance coverage. Then, provide your USAA auto insurance policy number and proof of insurance to the rental car company when you pick up the car.
FAQ
1. Does USAA rental car insurance cover international rentals?
Yes, USAA rental car insurance covers rentals in most countries around the world. However, there may be some countries that are excluded from coverage. It’s always a good idea to check with USAA before renting a car internationally.
2. Does USAA rental car insurance cover loss of personal belongings in the rental car?
No, USAA rental car insurance does not cover loss or damage to personal belongings in the rental car. You may want to consider purchasing separate travel insurance that covers personal belongings.
3. Can I cancel USAA rental car insurance?
Yes, you can cancel USAA rental car insurance at any time. However, you may not receive a refund for any unused portion of the coverage.
4. Do I need USAA rental car insurance if I have a credit card that offers rental car coverage?
It depends on your credit card’s coverage. Some credit cards offer primary coverage, which means they will pay for damages or injuries first before your auto insurance policy kicks in. Other credit cards offer secondary coverage, which means they will only pay for damages or injuries that exceed your auto insurance policy limits.
Before relying on your credit card’s coverage, make sure to read the fine print and understand the limitations and exclusions of the coverage.
Conclusion
USAA rental car insurance can be a smart and affordable choice for protecting yourself and your rental car while on the road. With its comprehensive coverage and affordable rates, it’s worth considering for your next rental car reservation.
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