Rental Car Coverage – An Unnecessary Insurance?

Is Rental Insurance Necessary?Instant insurance quotes are a great way of getting an accurate estimate on how much money you’ll pay out of pocket for quality car insurance. But there are some unnecessary coverages that you can drop which will serve to save you even more money in the long run. One of these is rental car reimbursement.

Rental car insurance kicks in if you’re ever involved in an accident and lose the use of your car while it’s in the shop being repaired, or headed to the junkyard to be totaled. If rental car coverage is included in your policy, your insurance company will pay the cost of rental for a certain period of time until you’re back “on the road” again.

This sounds like a good deal, and you never know when you’ll need it – so why is it an unnecessary coverage? First of all, you’re not going to be outfitted with a Porsche if the car you previously drove was a Geo Metro – you’re going to be reimbursed for something of equal horsepower and value. Second, considering how cheap it is to rent some cars these days you might end up saving money by paying your own way.

If the ability to opt out of rental car reimbursement isn’t an option when you compare auto insurance quotes, be sure to ask about it before you sign on the dotted line. You might be able to come to an agreement with your insurance provider to lower your premium even further than indicated on your instant insurance quote online by eliminating rental car coverage.

Auto Theft Mounting in Ohio

Curb The CrimeA criminal act of stealing a vehicle is occurring on a regular basis and in huge number in U.S. An estimate of 1.2 billion cars were stolen, causing a property loss of  $ 7.6 billions in 2005. As the rate of car theft increases, a red alert has been sent across the country  to all its states and their cities. However, the theft rate is increasing even after the state has taken stringent measures to curb it. As an Ohioan, your efforts is a must in helping the cops and the government to avoid such crime.

Threat to Ohio Cars

There are three cities of Ohio which incurs car theft problems to the worst of situation. National Insurance Crime Bureau’s recent reports shows that Cleveland stands 82nd, with 271 stolen vehicles during 2010 for every 100,000 dwellers. The report also shows that last year Toledo ranked 84th nationwide with highest rate of car thefts, and Columbus was the 99th city. The numbers clearly signify the threat which has high effect on investment made to own a car.

Vehicles Stolen

The bizarre over car theft is that there are certain makes and models of vehicles which are frequently stolen. Factors also include the region and ease of theft. Few sports car, fancy and expensive cars are aimed at a higher rate. Recently, some models such as Acura Integra, Toyota Corolla, Chevrolet Pickup, Toyota Camry, Ford Explorer, Dodge Caravan, Honda Civic etc were stolen repeatedly in United States. Owning such expensive cars is a dream come true for any Ohioan. Let your investment be secured.

Preventive Measures

Protecting your vehicle from theft is as important as buying one. Much before you buy a car, know what preventive measures can be taken in order to avoid being a victim of such incident. Auto insurance comes as a savior when your car is stolen. A rental car insurance coverage backs up until your car is located by the cops. Any damage incurred due to theft, insurance will pay for the repair. Different companies have different coverages and benefits. By installing safety devices such as car alarm systems, VIN etching, Microdot identification tags and etc, you will not only protect your car from theft but also obtain discounts from your insurance companies. Talk to your agent in Ohio to know the benefits provided by the company and then sign a contract.