You’re at the rental car counter…reservation in hand. What do you do now to insure you’re not taken advantage of? Well, I’m assuming you read reviews and chose a company with high marks. Everything should be fine. However, it never hurts to be informed to better protect yourself.
What Do You Need To Know?
Insurance: Insurance is a requirement – but your regular auto insurance policy may cover rental cars. Check with them and if so, bring proof (insurance card or letter from company/printout from their website).
Some credit cards will insure the car when the transaction is processed on their card. Call your credit card company to inquire and of course, bring proof of that as well. There’s no need to buy a policy from the rental car company if you’re already covered elsewhere (savings of $8-$15/day). The rental company MAY pressure you (high pressure) to buy their policy….it’s a HUGE money maker for them. But know that you CAN politely refuse with proper proof.
WORD OF CAUTION: DON’T attempt to drive without insurance coverage… The price/consequence for that is MUCH higher than just purchasing coverage from the rental company.
- Return the car without refueling. They refuel at THEIR price. This is the worst option as their price is VERY high!!
- Refuel before returning the car – You may be required to present a receipt for gas purchase – especially if you drove the car less than 75 miles. Confirm their policies when you pick up the car.
- Many companies are now offering a 3rd option: You PRE-PURCHASE a FULL tank of gas – at a less-than-market price. The catch? You are charged for the full tank regardless of the fuel level upon return. To get the best value, you need to return the car as close to “empty” as possible. That CAN be hard to gauge. Now, the savings can be as much as .25/gal. On a recent rental we were offered this option….and told that if we didn’t drive the car to “E”, we could just refuel it ourselves. The deal would then be ‘void’. When they put that in writing, I decided to give it a try. We ended up refueling as our tank was only down to 1/3 on the last day. If those policies become the ‘norm’ over time, it MIGHT be something to consider…
KNOW the Total Cost: Before leaving the lot, make sure you’ve been given the TOTAL charges – upfront.. Some (less than reputable) companies may try to assess extra charges when you return the car. You’ll have no recourse then.
Online Horror Stories: I’ve read horror stories of people returning a car only to have the employee walk around the vehicle and “find” every scratch, dent, & door ding and access charges for them. I’ve never experienced that myself, however, when we first get a car, I ask the employee to walk around the car with me THEN making notes on the form AND TAKING PICTURES of any major dents or scratches/dings. I don’t get overly “picky” here, but do make note of things that are “moderately significant”. (including wheel rims and the interior.) and make sure the employee knows that I’ve gone over the car carefully MYSELF.
Maybe just doing this keeps them from being dishonest with me later… or maybe those horror stories aren’t true…. I do this nonetheless.
Extra Note: I have read quite a few online articles that advise taking pictures of EVERYTHING when renting in Hawaii. I don’t know why they isolate Hawaii, but I found the sheer number of articles interesting. We rented cars on 3 islands and didn’t have any problems. Of course, I followed the advice.
Rental Car Rates: Rates are based on a 24 hour clock (not pro-rated) OR weekly rates. (cheaper than per day) Returning a car early can cause your rate to go up if it drops you out of the category you’ve been priced with. In an emergency you have no other choice; just don’t be surprised if that happens.
- Unlimited mileage on rental cars is pretty standard these days, but confirm this if you plan to drive long distances.
- Out of State: If your travel plans will take you out of the state where you rented the car, make sure this is within their policy. In Alaska, we rented a car in Skagway to drive the Klondike Highway…Into Canada. They DO allow renters to take the car ‘into another country’ AS LONG AS YOU TELL THEM. Had I not read the fine print, then had any kind of problem/car trouble, accident, etc… we could have been in a LOT of hot water. Again…and I’ve said this many many times READ THE FINE PRINT!!
May be of interest: Finding Bargains on Rental Cars