Have you every bought auto insurance from a rental company? For six days coverage you may end up paying as much as your six monthly policy. There is no logic to it at all and you cannot understand how these companies are using their purchase power. There is no doubt that they are getting big commission cuts from those policies they sell. Needless to say that you should make your prior insurance arrangements before dropping to the rental company.
Most people with USA vehicle insurance policies may be able to use them for rental cars as well. Standard policies are providing coverage for rental cars as well. Alternatively your credit card may be able to provide you coverage for the rental vehicle insurance. This are both great options and you may pay the rental with your credit card anyway just in case. If you have an accident you may be able to avoid making a claim on your policy by claiming on the coverage arranged by your Visa card.
If you are planning on renting a commercial vehicle like a removal van you may not be able to rely on either your own private policy or credit card for provision of coverage. You will need to check your options there. Perhaps you should get quotes for insurance as well when you are asking prices around. I wonder if you could find coverage outside for a couple of days of U-Haul rental?
If you don’t own a car you may still buy a policy that will cover the liabilities section in the case of a hire car. There are policies called non-owner auto insurance that provide liabilities coverage when you are driving someone else’s car. They are usually cheap at about $200 a year that you would be well advised to have if you are regularly hiring automobiles or driving someone else’s car.
They will only provide liabilities cover. So, you may still need to buy coverage for the physical damages to the cars. Depending on how long you are planning to hire you may want to check alternative coverage options and buying the cover from a third party provider.
When you are using non-owner policies in other incidences you are involved with other peoples cars you cannot expect your policy to pay for the damages. First of all they don’t cover physical damages and they only cover liabilities if the car you were driving didn’t have a policy coverage. The policy arranged by the owner will always be the main policy providing cover.
Your policy will only kick in when the owner’s policy runs out of coverage limits.
However, there is a chance that you may be sued separately for gross negligence and you will need your own liabilities cover in those cases. It is something worth considering if you are a regular driver who owns no cars. If you cannot not find any alternative arrangements you will have to put up with high prices charged by insurers working with the hire companies.