Some couples decide to book a chauffeured limousine to drive them around town on their wedding day, but others prefer the convenience and luxury associated with driving in a rental car.
You can easily choose between a sports car, a classic car, or a luxury car when renting a vehicle for your wedding day. However, you should pay close attention to the insurance requirements for rental cars.
The thought of having a car accident on your wedding day may not have crossed your mind, but accidents can happen at any time. Insurance is necessary to help you avoid financial loss related to an accident, and it is also required by law.
Compare car insurance quotes today. It’s as easy as entering your zip code into our free rate comparison tool above.
Exploring the Need Wedding Car Insurance
When you arrive at the car rental office to pick up your leased wedding car, you will be asked if you want to purchase insurance for the vehicle.
Before you make any decisions about buying additional car insurance for a rental car, you should be aware of what the coverage requirements are.
State Requirements for Car Insurance
If you regularly drive your own vehicle around town, you may be aware of your state’s financial responsibility laws for drivers as well as minimum liability insurance requirements.
Drivers are typically liable for any damages they cause behind the wheel, and liability insurance requirements give drivers a convenient way to pay for those damages.
These requirements are typically for any driver on the road, regardless of whether you are in a leased vehicle or in your own car. You must obtain adequate coverage before you drive your wedding rental car.
Minimizing Out-of-Pocket Expenses
While you need to obtain at least the minimum amount of liability coverage required by your state, there may also be benefits associated with purchasing additional coverage.
Your rental car company may hold you responsible for any damages you cause to the wedding rental vehicle. Even a minor fender bender can result in hundreds of dollars or more to the car.
When you have adequate coverage, such as through a collision or comprehensive policy, you can decrease your out-of-pocket expenses if you are involved in an accident on your wedding day.
Examining the Options for Getting Wedding Car Insurance
Now that you understand the benefits and requirements for car insurance, you may be wondering how you can obtain the coverage you need for your wedding day driving plans. There are a few ways to get your coverage.
Through the Rental Car Company
When you arrive at the rental car office to pick up your wedding car, you likely will be asked if you want to purchase insurance through their company. This is one option to consider, but it can be expensive.
More than that, it may not be needed because you may already have the coverage that you need to reduce your financial risks if you are involved in an accident.
Through Your Existing Auto Insurance Coverage
If you have existing coverage on the car you drive every day, it makes sense to review that policy before your wedding day. Many standard policies include coverage on rental cars.
You simply need to determine if you have this coverage and if your limits are sufficient for your needs.
Through Credit Card Benefits
A common benefit offered by many credit cards is rental car insurance. This is special coverage that is available only for rental cars and not for your primary vehicle.
However, in order to obtain this coverage, you typically need to pay for your rental car expenses through your credit card. By analyzing your benefits today, you can better determine if this is a feasible coverage option for you to consider.
Understanding If Your Current Auto Insurance Policy Is Sufficient
Getting coverage for your wedding day car rental needs through your established coverage is the most convenient option available. However, you need to determine if your existing coverage is sufficient for your needs.
Review and Update Your Coverage Before Your Wedding Day
The easiest way to determine if your existing car insurance coverage includes rental car coverage is to call your provider or agent directly. You can also learn more about the types of coverage you have, such as:
Remember that the limits of your coverage types are also critical, and they should be high enough so that you likely will not have to pay for any expenses except your deductible out of your own pocket.
Take Advantage of Discounts for Savings
You may decide to update your existing insurance policy online to meet your coverage needs on your wedding day, or perhaps you are taking advantage of this opportunity to shop for savings on your regular insurance policy.
There are numerous ways to save money on your car insurance.
One idea is to adjust your auto insurance deductible by calling your provider or by getting new quotes.
The deductible is the money you pay each time you file a claim against your policy, and a standard deductible amount is $500. By simply requesting quotes for a $750 or $1,000 deductible, you can obtain a lower premium quote.
Different providers have various rates because of their unique pricing or scoring system. You can easily shop around to identify savings through various providers. Getting at least three to four quotes online for new coverage is convenient and easy to do.
Some auto insurance providers also offer their customers a full range of discounts that can help you to qualify for a lower premium.
The following are some things that can help you save money on your coverage:
- a good driving record
- safety equipment in your car
- bundling your insurance policies
- taking a driver’s education course
You have many things to do as you prepare for your wedding day, but you do not want to overlook the importance of transportation on your big day.
Just as you take the time to compare rates for different types of rental cars available to you, you also need to review your coverage and compare the options to confirm that you have the best deal possible on wedding day car insurance. Enter your zip code below to begin!