When someone rents a car, the automobile rental companies hold the renter accountable under the rental agreement for damage to their car. They offer a Damage Waiver at an extra cost. This Damage Waiver is not insurance, but a contractual agreement between the renter and rental company. If a waiver is not purchased, it is important to review your own automobile policy to determine if any extension of coverage applies. Also, establish how the liability coverage afforded by your policy applies in the event you are at fault in an accident with the rented vehicle. In California, you are required to have auto insurance regardless of whether you are driving your own car or if you are renting one.

Rental car agencies do provide wide range of auto insurance coverage and it would not be prudent to blindly select rental car insurance as every policy offers its individual advantages under particular situations. You should examine each policy so offered and judge it against the requirements you have. It would be prudent to discuss the policy with the car rental agent, rather than just read the summary over the website. » Read more: California Rental Car Insurance

Any vehicle that is driven on the road must be covered by auto insurance. Car insurance contains a number of protections for the driver and his or her passengers. Depending on your state, it may include coverage for your injury costs if you are hurt in an accident, and also coverage to pay for the other party’s injuries and damages if you are found to be at fault. These are all important protections that may seem unnecessary most of the time, but if you have an accident the proper coverage can save you much personal, financial, and legal grief.

What is the Minimum Coverage?

The minimum insurance that you must carry on your vehicle depends upon the state in which your vehicle is registered. Each state has its own insurance laws, which determine the mandatory minimums for insurance coverage. As an example, the minimum coverage requirement for Illinois is outlined below: » Read more: Minimum Car Insurance Requirements

Do you own a car over fifteen years old? If you do you may well be entitled to cover it under what is known in the industry as a classic car insurance policy. In the past there were many more restrictions on cover under this type of policy and specialist motor insurance brokers and insurance companies were very particular about the type, age make and models of the cars they wished to cover on their books.

Times have changed and technology has led to many more cars now fitting into a bracket that was once reserved for the glamourous, collector and vintage car owners. It is now possible to obtain both cheap quotes and classic car covers online from many providers including the majority of those famous high street brands, who have realised that nearly fifty percent of the cars on the road now fall within the strict underwriting parameters for classic car policies. Consequently premiums in this market, which were always cheaper than standard cover, have become much more competitive in recent years, with the entry into the market of many of the larger insurance companies. » Read more: Cheap Classic Car Insurance Cover