Tips for renting a car in USA-extra cost and insurance

Despite having already written a post of tips for car rental in Miami, this one will address the issue of more costs involved (and many times, hidden!) and also about the controversy of the safe. Will be worth or not worth it? That only you can decide … Read below and book your cheap car rental in the United States without fear of being happy!

POSSIBLE EXTRA COSTS that MAY OCCUR (I put the translation also of titles to help you identify the terms in quotation sites and in future contracts with the video store) Remove the car in one location and return to another (Different pick-up/drop-off Locations) many hire companies will charge an extra fee if you withdraw the car in one location and return to another. If you remove in Florida and work return in California, for example, the cost can hit the home of the $ 1,000 .00, no kidding! Some stores don’t charge if you return in different branches, as long as it is within the same State.

Rent a car at the Airport (Airport fees) in order to work at the airport or in the vicinity, the stores need to pay fees to the State which are passed on, in part, to customers. These rates vary considerably from State to State, but generally revolve around 10% more than if you locasse in a place outside the airport.

Fails to comply with the 12:0 am (Late return) took the car on a Monday to return on Tuesday. Keep an eye on the clock! If mad at 9 in the morning, you will have until 9 a.m. the next day to return. Sometimes the stores give 1:0 the most, that is, you would have a maximum of 25 from the time that mad, to return the car. If you’re late plus it’s better to stay with the car for a few more hours, because you will be charged once per day anyway … return the car in advance (Early return).

What? If you return later, you pay … and before, too? That’s right? It is because the rental company booked the car to you for the whole period and now, with the car being returned before, she might not get another driver to use it and have some profit. Expect to pay around $ 10-$ 15 a day in advance to give back the car. And maybe there are other costs! An example: Let’s say I rented the car for a super special price, as it was for 1 week. If you return with 4 days you will lose the promotion that was only if rented for a week.

Mileage (Mileage) is right that most stores nowadays offers mileage/unlimited mileage, however in some promotions in which prices are exorbitantly low, pay close attention to the fine print of the contract because the girls/mileage unlimited mileage may not be included.

Licensing (License Fees) That not everyone knows, but in some u.s. States, it is customary for the rental charge of 3% to 8% of the final value of the account to cover licensing costs of their vehicles. It never hurts to ask.

Different prices according to the Agency (Different locations) even though the same stores, depending on the location, the rate can be different. The ideal is to quote by choosing different locations of the city of your choice and check out. But be warned: take into account also the convenience! Exit the airport by car is much more comfortable and can leave even cheaper than going by taxi to the video store with cheapest daily. Do a cost-benefit analysis.

High-season (Peak season) That everybody knows, right?! Rent a car in time for Christmas, new year or on holiday makes prices go up!

The issue of petrol (Filling-up for gas) you can often end up paying a high price to return the car with the tank empty or partially full. In most cases, the ideal is that you fill the tank before returning the vehicle. However, pay attention: most car rental companies offer (and try to push) the option to purchase a full tank of gas in advance, allowing you to return the car with the fuel at any level since the full tank extra will be paid.

Note that there is no refund for unused fuel and by choosing this option to pay for a full tank of gas in advance, you get even is the convenience of not having to fill up the tank, but it sure won’t be the most economical option.

Read more:
Age (Age) As a rental car with insurance discount.

The mafia car insurance in the United States and Canada for newcomers

The mafia car insurance in the United States and Canada for newcomers

This is a thing that pisses me off when I change country, an opportunity that many companies have simply abusing the system and charge ridiculous prices of new arrivals, and the mob of car insurance in the United States and Canada is chipping!

I swear, it was like that in Canada when we moved there in the year 2000 and now we are going through the same rigmarole here in the United States (Florida). Every hour is an excuse they give to charge what they want: lack of Social Insurance Number from one of the members, lack of experience, was uninsured in the country of origin for more than 1 year, lack of experience in direction etc etc etc … and the only excuse that would “sense.” in our case, we would be buying a sports car, so the claim could have been “driver who enjoy high speed”, but anyway, it’s ridiculous!

If I say that we are paying more than $ 2, 000.00 for 6 months of insurance would you believe?! Yes, and I’ve got history in Canada and Australia, in addition to Brazil. There are more than 15 years of experience as a driver. It’s disgusting and I don’t see the Government trying to change that attitude, that my attitude is prejudiced. #ProntoFalei after one or two years the trend in the price of insurance is dropping the price considerably, but this first phase ends with our pocket!

After a few quotes, we close with the Progressive here in Florida, for that price I mentioned above! indecent Now, to try a 30% discount, we will use the driver assessment system of Progressive called Snapshot, and in 30-60 days, let’s see if we can do something. because here at home nobody is crazy in the direction, so that system I think it’s going to help us.

Australia can’t complain, as it was the first country that we didn’t have that kind of attitude and told okay. Australia is definitely cheaper when it comes to car insurance. Just as a comparison. After 10 years in Canada, without any accidents or any request for reimbursement to the insurance company, I paid something like $ 150 dollars Canadians per month, that is $ 1800 per year for an SUV, and, living in Oakville (suburb of Toronto). If you were to address in Toronto, certainly would be more than $ 2,000 a year (being new immigrant so … This value increases).

Already here in Australia, living in the city of Brisbane (third largest in the country), with only 3 months of “experience”; for an SUV, 4 × 4, closed at $ 700 dollars a year. Remembering that today Canadian dollar 1 practically corresponds to 1 Australian. And they take years of international experience.

Note 10 for Australia.
Oh yeah … we close our car insurance with the company AAMI.

How does car insurance in the United States

How does car insurance in the United States

If you own a car, you probably know a little about insurance. You may have already heard about franchise or prize, but really understand the different parts of an auto insurance policy? Know how to choose the best coverage?
47 American States require you to have at least some kind of car insurance, so it’s a good ID is good idea to know what the law requires and what the additional or optional coverage that best will protect you in an accident.
Before purchasing an automobile insurance you should consider a number of factors, including the type of car you own, your driving history and the amount you wish to pay. To understand the notions understanding automobile insurance you can be sure that the policy you choose will take care of your needs in the event of an accident.
In this article will be presented the types of coverage, the insurance companies offer, and even the possibleinsurance needs. In addition, we will look at what affects the price of insurance of car, as lower costs and understand the components of your policy.

Types of cover

All those who drive need to have car insurance. In many American States, it is required by law. When you get a safe, is acquiring what we call “policy”. Your policy is based on a variety of factors, including the type of car you drive and the type of insurance you want. Car insurance policies are actually, packages of different types ofinsurance coverage. The first step to understand an insurance policy is to understand the various types of coverage that insurance companies offer. Some of these covers may be required by your State and others may be optional.
• Civil liability: this coverage pays for the personal injury and property damage to third parties. Personal injuries include medical costs, pain, suffering and unearned wages. The property damage include properties and cars damaged. This cover also pay the legal costs and defense. State laws determine how much liability coverage you should purchase, but you can always get more coverage than your State requires.
• Collision: this coverage pays for the damage caused to your vehicle when there is a collision with another vehicle or object.
• Insurance total: this coverage pays for loss or damage to the insured vehicle which have not been incurred in an automobile accident. The types of damages that total insurance covers include losses caused by fire, wind, hail, flood, vandalism or theft.
• Medical coverage: pays medical expenses regardless of who was at fault when they are caused by an automobile accident.
• PAP: personal accident protection (PAP) is required in some States. This coverage pays medical expenses the insured driver, regardless of who was to blame for the treatment caused by automobile accident.
• Uninsured Motorist: pays damages to your car when an automobile accident is caused by a driver who does not have liability insurance.
• Sub insurance: Driver pays the damages caused to your car when an automobile accident is caused by a driver who has insufficient liability insurance.
• Reimbursement of rent: this kind of coverage will pay a rental car if your car was damaged due to an accident. Normally, this cover has a daily tolerance for the rental car.
Many insurance policies combine several of these types of coverage. The first step to choose the insurance that you want for your car is to know the laws of your state. With this, you will know what is the minimum coverage that requires. It’s nice to know that even if your State does not require a large, extra coverage insurance can compensate for the expense. After all, nobody wants to be caught with thousands of dollars due to an automobile accident.

Read more:
So, let’s see how to determine your insurance needs.

Car insurance tips United States us-how much do you need

Car insurance tips United States us-how much do you need

While subsegurado is dangerous, have too much insurance may also be a costly mistake. Without insurance, your property is put at risk in an accident where you’re the culprit. The minimum amount of insurance required in your State, is rarely enough.

State laws may require a small liability coverage of $ 15,000 per person, $ 30,000 per accident and $ 5,000 for property damage. Nearly half of u.s. States require $ 25,000 per person and $ 50,000 per accident. Half the States also requires $ 10,000 in property damage coverage. If you can afford it, buy more than the minimum coverage. After all, $ 10,000 for property damage may not be enough if you hit on a Mercedes-Benz that costs $ 100,000.

The more durable assets and income you have, the more will need to secure. Most insurers recommend liability coverage of at least $ 100,000 per person, $ 300,000 per accident and $ 50,000 for property damage if you have assets to protect assets, like a House. Some insurance companies also recommend purchasing a safe umbrella of personal responsibility, the amount of $ 1 million. This policy is issued together with the landlord. State Farm says that such coverage costs on average $ 270 a year. This amount may vary, depending on location and other factors. Umbrella insurance can protect a family from financial ruin in the event of a lawsuit.

There is no way to define a better way to purchase insurance, just as there is a better way to buy a car. The rates vary widely. Research suggests that prices vary between $ 500 and $ 2,000 per year for the same coverage, in different insurance companies. Search for insurance by consulting two or three of the largest insurers, as State Farm and Allstate.

Then, make contact with one or two independent agents can quote prices of more than one insurance company. In addition, there are companies that you can negotiate directly, like GEICO and Progressive. They don’t negotiate through sales representatives, but by phone. Also offer one of the lowest rates in the market. Ask for a detailed list of toppings and costs.

“Our prices are competitive,” says Dick Luedke’s, spokesman for State Farm, whose company rates have dropped slightly in 2004. However, with so many factors involved in setting rates, the ideal is to compare various companies.

According to the Insurance Information Institute, in 2004, the average price of auto insurance nationwide was $ 871. The organization hoped that the cost of car insurance to rise 3.5% in 2004, which would be the smallest increase in four years.

Don’t forget the internet. Many insurers offer prices on the web. The online search allows you to compare the rates of multiple insurance companies, in the comfort of your home.

Read more:
Insurance-car insurance tips in United States-how to reduce your insurance premium

Criteria to be observed in the choice of car insurance

You know which criteria should bear in mind from the beginning when you’re hiring your car insurance?
Insurance is an indispensable item for the car because it is guaranteed that you have that are supported when it comes to need. Of course it is not the intention of anyone need to use the insurance. After all, to trigger it is necessary that an accident has occurred or a theft, robbery or something along those lines. But if necessary, it’s nice to have it available.
But there’s no point out hastily and join any insurance. Before you need to look at some things that are essential to have the best experience possible with your insurance. Check out which criteria you can only analyze!

quotation

The quote is something extremely important when you’re going to join the insurance. It is made according to its analysis, considering the risks of some problem happen with the vehicle, and is the main responsible for the value that you pay in insurance. Cars zero kilometer, for example, have higher insurance values for the same coverage offered to new and used cars.
There are a lot of people that does not parse this quote before buying the car and ends up having problems later. Sometimes it is more worthwhile to analyse the insurance quote prior to purchase of the car because that can be a determining factor to look for a cheaper vehicle.

safety

The secure (as the name implies) must be able to pass security. If that doesn’t happen, can be quite harmful to you. Note that insurance is something that exists to give you peace of mind and not to be a headache. Therefore, if you are studying insurance does not give security, run away quickly from him. It is best to look for a little more and be able to make the best choice to choose quickly and then have more serious problems to solve.

market Confidence

Research on the confidence the market has in the company you are hiring to provide you with the services. First of all, find out if the company is well regarded. Then also you should find out if she is responsible in what concerns the obligations assumed by the client.
Don’t fall into the “scam”. Companies that have a lot of complaints are usually terrible to work with them. That’s because your way to behave on the market is, to say the least, dubious.

services

What services you need and which are offered by the insurer. This is one of the quieter procedures you have to do because usually they offer up more (much more!) than you really need. In fact, what is needed here is that you do a “sieve” and choose only what you really need. A lot of attention with this step because it is one of the most important. If the services are not satisfactory, you will probably end up getting “on hand” when it comes to need it (if you need to, of course).

total or partial Coverage?

And when you need to decide what coverage will you choose? It’s going to be total or partial. If you don’t know what that is, see these quick explanations and ask questions!
-Full Insurance: this is the most appropriate insurance model because it offers all the coverage for the vehicle, nothing being deleted. Any snag will be covered by the plan. Your safety is total.
-Partial Insurance: is it doesn’t offer full security to your vehicle. He is on average 20% cheaper and provides coverage against fire, theft and larceny, excluding coverage in the event of a collision. In my view this is not indicated because if a crash happens, where there are only damage to you or you and a third party, the costs of payment will always and only yours.
Of course it’s you who knows your needs and, most importantly, out of your pocket. Evaluate how much you will need and how much you can effectively pay and make your decision.

antitheft Equipment

This is a tip for you to improve the way of negotiation with insurers, since they all offer discounts for contracts of who owns antitheft equipment in your car. It’s interesting that you put these accessories in the car and talk to the broker about the possibility to get best prices. Some equipment that make a big difference in this process are the antitheft alarms, the blockers and the trackers. You may find that it’s not worth it, but believe me: it is rewarding. In this case it is interesting to make a survey among the companies because the discount amount is variable. Haggle!
If you are careful to observe those criteria and walk a little bit to do research, will certainly be able to choose the best insurance for your car!

What services are covered by the car insurance?

Maybe you are about to close a deal related to the insurance of your car and still have some doubts about what services are covered for him.
Or may be you can see even in the situation of already owning a safe for your car and not knowing for sure what has or covers, which can be even worse, you may have to use the insurance of your car and found in the worst possible way that particular situation was not inside the cover.
Regardless of what has been the experience you had, I would like to explain what services are covered by your insurance deductible and what exactly you need to do to be able to use it without major headaches.
-Necessity of adherence to safe
In times of crisis, such as those that Brazil has been facing in recent months, can’t get “playing” with my luck isn’t it? When we least expect is that the problems arise.
And that’s exactly when we don’t have money that the need arises to spend what we can’t. This is what happens with the car. Especially for those transits several kilometers a day and face the chaos of the traffic of the big cities, the insurance is essential.
This is because without a doubt is the best way to ensure the relief in the hours that it is most needed.
Possession of such information and aware of the need to adhere to a plan of insurance for your car, it’s time to know the models existing insurance and take the questions about which one to join. Check out!

partial insurance total Insurance

To start, I need you to understand that the insurance that you hire can be total or partial security? What does it mean? Exactly what the word says. Total insurance is one that offers broad coverage (total). And partial insurance is one that offers restricted coverage (partial). It’s up to you to decide which one would like to join in your plan.

total Insurance Coverage

But what actually is covered by the overall security plan? I will list them below so you know what right has with this plan.
-Collision insurance;
-Fire insurance;
-The insurance against theft;
-Damage to third parties.
In this case, their coverage gives you security against traffic accidents, fire, theft and possible damage caused to those who get involved in the accident caused by you. If you need to, just fire insurance and be supported in a very difficult moment.
And what this insurance does not cover model?
Total insurance focuses on what happens to the physical structure of the car and what is caused by natural means. Accessories such as sound, wheels, cameras (internal or external) etc.
Not included in this list. Meet, even in this article, what to do to guard against it. The incidents caused by recklessness of the driver (as for example carry over with the car in steep areas, advised against the use of vehicles) is also not object of insurance coverage.

partial Insurance Coverage

With partial insurance coverage is only for fire, theft and larceny. That means with this safe mode you are only insured against problems caused by fire or related to the violence that lurks in every way, that is, theft or theft of the vehicle.
But you do not have coverage against accidents and even have insurance to ensure the replacement of losses of third parties. In my opinion this is not interesting because in case of an accident you are completely helpless and will need to bear alone, with all the costs resulting from the accident, which may represent a large amount of money.

Why choose total insurance?

Total insurance is the most appropriate because it provides security against all the most common events that somehow can cause problems with your car.
But, as you said, there are some extraordinary events (such as those caused to vehicle accessories) are subject to coverage. What to do so to be fully secure in this sense?
With full insurance for your vehicle you can add all the items you want to your car insurance. Of course, each of them will represent a cost.
But if you have a car insured with ordinary wheels and replace them with alloy wheels (which are expensive!) it’s worth making the secure the wheels. And if you’re willing to do the insurance from the same insurance company of your vehicle, for sure is going to get a great discount on your trading.
The insurance coverage of your car is something very important for you to simply disregard. Don’t be reckless attitudes. Learn more about the subject and take the right decision. You’re not going to have than be sorry!

Type of car insurance READY

the law requires that everyone who drives a car must have car insurance. Buy car insurance to buy a policy from an insurer covers. Payment of the premium depends on several factors such as age, gender and the make, model and year of the car If you are looking for an insurance policy, providing you with appropriate cover, it is important to understand the types of measures available.

The most commonly used automobile insurance include:

Liability coverage: this type of insurance is a must for every driver. Provides coverage for accidental damage and caused damage to another person. Physical damage Damage may include pain and suffering, medical expenses, compensation and rehabilitation. Injury may damage another car’s licenseState laws determine how much liability coverage, you need to buy. States offer the minimum range set, you need to, but most people protect themselves by buying more responsibility, but you can always more coverage. the law requires liability coverage, because most people don’t have the money for someone else to make up for an accident have.
Most insurance companies offer coverage for a maximum value, such as in the policy. The coverage of the liability limit can anywhere from $ 50,000 to $ 1,000 .000 the amount of liability coverage, you will determine how much your premium will be. Greater than the liability coverage will be the biggest prize. Cover, most experts recommend 1 000.000 to ensure that you are completely protected. It is recommended to at least $ 500,000 or $ 1,000 .000 liability. This will make sure that you cover all damages and expenses that you may be responsible for payment.
Comprehensive coverage: this coverage will cover damage to your car, which is not caused by another driver. Fire, theft (including auto parts) are examples of weather damage such as cyclones, floods, hail, ice storm, vandalism, collision with an object, such as the deer, etc. Comprehensive coverage is optional and is generally used for vehicles, bought more $ 1000 value. Deductibles ranging from $ 250, $ 500 and $ 1000
Collision coverage: this type of coverage covers your car for a collision is damaged. For example, you are covered if you have a fence or another car collide. Of this policy are covered for all damages less deductible up to the specified maximum content. Must be an accident like a collision by slippery roads caused. Deductibles ranging from $ 250, $ 500 and $ 1000 You should receive this policy, you have an expensive car
To ensure that you are completely protected if an accident or another car accident, related, need to understand the details of each car insurance. Must also obey State law about the type of insurance that they hire to all drivers. Avoid unnecessary emotional and financial distress, pick the policy that best meets your needs all.

Full car insurance

Cover this type of policy for damage to your own vehicle, as well as for other road users, even if an accident your fault or blame can be assigned to.
Is safe for fire and theft. Provides comprehensive guidelines the most expensive type of coverage, but that’s not necessarily the case. 
Some insurers have reported that higher risk drivers – as the under 25 years-enough for third parties choose policy. The risk of this type of cover-connected and, therefore, increased its price – about comprehensive coverage.
You will be able to cover comprehensive insurance, despite the name not against all eventualities. For example, you have to pay may be extra safe failure, or to ensure that you receive the courtesy car when your car needs to be repaired.

Save money on the cover

Choose a lower level of protection is not the only way to reduce the premiums paid (and as mentioned above, should be kept in mind, that is not always the most expensive comprehensive policy). There are a number of other steps you can take to reduce the cost of insurance without reducing the amount of coverage that you have:
 Numbers will reduce the excess you. You cut your premiums, opting for a higher voluntary excess-so if you agree, the numbers first £ 250 right instead of just the first £ 100, your policy will cost less.
 Enhance your safety. If your car with an alarm system or an immobilizer is fitted, it must be harder to steal. This should lead to lower the cost of coverage.
 Add a named driver. If you are relatively inexperienced in the streets, this probably more expensive your insurance. Add a more experienced driver named as a father, the policy could see him falling bonuses.
 Looks like. You already on Confused.com, need probably don ‘ t remember. But if you buy insurance for the first time or is your renewal policy, compare the best prices of the different providers is the easiest way to cut your premiums.