Why You Need Long Island Car Service Insurance

By Claudine Hodges


There is a lot of competition within the car hire industry. Rental companies are being forced to reduce their prices by offering basic services. They have been forced to pass the liabilities to unsuspecting clients. It is possible for you to get yourself a Long Island car service insurance coverage that takes care of the damages you are exposed to.

Avoid paying for excess insurance at the point of sale. There are times when you end up paying twice as much as you would have paid for. The providers have been known to encourage their sales people to offer this option to their clients. Since you are usually tired from your flight, the pressure is counteractive.

The ethics involved are questionable but the companies find it easier to offer lower prices for their rentals and then rely on the extra charges to boost their profits. This tactic is mostly used by companies in this particular industry like airlines and hotels.

Undercarriage, tires and windows are usually covered under this policy. You will also be compensated for vandalism and theft. Different insurance companies offer different rates for this package.

It is possible for you to benefit from the insurance policies on offer. Once you do the right research you will be able to get competitive rental prices and at the same time take up extra insurance in the event of an accident. With the right knowledge you will be able to get yourself a good deal.

Most providers usually give their clients the impression that it is mandatory for them to pay for the excess insurance. The insurance policy may not be mandatory but it is sensible to have it. However, it is not mandatory for you to get the service from your rental provider. You should only use their services as a last option.

Excess insurance is so competitive it has developed into an industry. It has been able to succeed because most of the rental companies no longer offer the option to their client as part of the package. Make sure that you have the insurance by the time you collect the rental vehicle. Getting a separate extra insurance will offer you a chance to enjoy competitive prices from both industries.

You can ask you agent and broker if it possible for you to take out the policy as you book for the vehicle. They have lower prices that the ones offered by rental companies but they are not as low as the ones offered by insurance companies.

Use the internet to research on all your options in an effort to cut on costs. There are a few pointers that you can use to your advantage. You can opt to take out excess insurance with the rental company as you collect the vehicle. However, you need to realize that you will be paying a higher premium for it.

The best alternative for you would be to look for excess coverage from an independent provider. This way, you are assured of getting good car hire prices and insurance packages simultaneously.




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