Florida car rental insurance cost
Rental Car Discounts
Looking for a car rental discount? On this page we’ve compiled lots of tips and tricks, plus there are links to pages that provide dozens of rental car discounts, coupons and codes that can potentially save you a hundred dollars or more on a one-week car rental!
General Advice on Car Rentals
- Do You Need a Rental Car?
- Rental Car Location Info
- Renting a Car at Walt Disney World
- General Information, Tips & Tricks for Rental Cars
- Other Ways to Rent a Car
Rental Car Codes, Coupons and Discounts
- Undercover Tourist Discounts on Alamo, Budget, Avis, National and Enterprise
Undercover Tourist Discounts on Alamo, Budget, Avis, National and Enterprise
We’ve been recommending Undercover Tourist for years as a great source for attraction tickets. They’re an exceptionally reliable company, and have excellent customer service. We can’t say enough good things about them. Click here to read more about why we recommend them.
Undercover Tourist now offers fantastic deals on Alamo, Budget, Avis, National and Enterprise car rentals!
Their rates are often the best rates for these companies you can find, anywhere. They also have a great side-by-side interface where you can compare rates for all six companies on one page, making it easy to find the lowest overall rate they offer.
The catch is that you have to buy an attraction ticket in order to get their special rates. However, you can buy any ticket they offer, at any price, to qualify for the car rental discount. In many cases, the savings are large enough that it’s worth it to buy an inexpensive ticket (some of them are as little as $10) just to get the discounted car rental. The car does not need to be rented in Orlando – they offer rates nationwide!
- Click here to check out Undercover Tourist’s great car rental rates! (You must first add at least one ticket to the cart, and then the “add a rental car option” will appear when you view the shopping cart.)
Do You Need a Rental Car?
- Walt Disney World
Walt Disney World
At Walt Disney World, if you are staying on Disney property the extensive Disney Transportation System can get you to any of the Disney resorts, parks, water parks and Disney Springs by bus, boat or Monorail. The system for getting people between the Disney resort hotels and the theme parks is quite efficient, though it can be time-consuming. Some people find it relaxing to sit back and let Disney do the driving. Personally, we don’t. (You can read MouseSavers.com founder Mary Waring’s report on going without a car at Disney.)
If you want to get from resort to resort at Disney World (for instance, to attend a dinner show such as the Hoop Dee Doo Revue, which is at Ft. Wilderness Campground) it can be very frustrating to use Disney’s transportation system. In that case, you may well want a car. And if you are staying off-site, a rental car can save you a huge amount of time in getting back and forth to the parks. Remember, you’re paying a lot for this vacation — your time is valuable!
By the way, if you will be renting a car and you own a GPS navigation unit or are considering purchasing one, click here for information that will make getting around Disney World even easier.
At Disneyland, everything is very compact. If you are staying at a Disney resort hotel or one of the many nearby hotels and motels, you can walk or use the hotel’s shuttle service to get to the parks. However, if you want to eat off-site or explore other parts of Southern California, you will need a rental car (or you can take a taxi, if you plan to stay local).
Rental Car Location Info
- Walt Disney World
Walt Disney World
At Orlando International Airport (MCO) all of the major rental car agencies (Alamo, Avis, Budget, Dollar, Enterprise, Hertz, National and Thrifty), plus a couple of less-known agencies, are located right in the parking garage across from the terminals. After going to the rental desk or kiosk in the terminal, you walk out to the garage and get your car. Most of the major agencies (Alamo, National, Hertz, Avis and Budget) even offer frequent renter and/or online check-in systems that allow you to skip the desk or kiosk in the terminal and go straight to the garage and pick your car.
MCO airport also has over 15 less-known agencies that are off-site. For those agencies you’ll need to grab a shuttle from Level 1. Of the off-site agencies, the most promising (based on our readers’ reports) is SIXT. It’s an international chain that has relatively recently started renting cars in the US, and sometimes they have attractive rates.
In addition, there are Alamo/National locations on-site at Walt Disney World, which is very convenient should you wish to keep your car for only part of the trip. (Click here for more information about renting cars on Disney property.)
There are also rental car locations at several of the hotels in the Disney Springs area.
At Orange County/John Wayne Airport (SNA), which is the closest airport to Disneyland, the on-site rental agencies are Alamo, Avis, Budget, Enterprise, Hertz, National and Thrifty. All others are off-site, so you will have to take a shuttle.
At Los Angeles International Airport (LAX), another popular airport for Disneyland trips, there are over 40 car rental agencies, many of which are small and local. Ten are allowed to send their shuttles right to the terminal: Advantage, Alamo, Avis, Budget, Dollar, Fox, Enterprise, Hertz, National and Thrifty.
Renting a Car at Walt Disney World
We are frequently asked how someone can rent a car for one or two days in the Disney World area. A lot of times people plan to use their hotel’s transportation system to get to and from the Disney parks, but they are interested in doing something outside of Disney during the trip (such as visiting Universal, SeaWorld or the local Disney outlet stores) and the cheapest and easiest way is to rent a car.
Also, some people who are staying on Disney property like to use Magical Express to get back and forth to the airport, but they prefer the convenience (and sometimes lower rental rates) of picking up a car once they are at Disney.
- Click here to learn more about how to rent a car at Walt Disney World (or nearby) efficiently and cheaply!
General Information, Tips & Tricks for Rental Cars
- Useful Tips and Tricks
- Best and Worst Agencies in Orlando
- Understanding Rental Car Company Relationships
- Beware of Suggested “Upgrades” at the Counter
- Prepaid Gas Option
- Florida Toll Passes (SunPass)
- Child Safety Seats
Useful Tips and Tricks
We can’t stress enough that it is worthwhile to check the rental car websites periodically for new rates. Like the airlines, rental car companies change their rates constantly. However, unlike the airlines, there is no penalty for canceling or making changes to your car rental reservation. We have saved as much as $150 on a one-week rental by rebooking our reservation when the rate dropped.
Always print out your confirmation when booking online, or request that one be faxed or emailed to you, if you make your reservation by phone. Take the confirmation with you on your vacation. It can be a lifesaver if the amount the car rental agency tries to charge you doesn’t match the amount you agreed to when you made your reservation, or if they question a discount code, etc. This happens more frequently than you might think, because of errors in the rental car companies’ computer systems or even because one of their agents is not aware of a particular promotion. If you have a printed confirmation, it will be very difficult for them to charge you a different amount.
Join the “frequent renter” program of any rental car company you are going to use, even if you think you’ll never rent from them again. It can save you hours in line. In fact, with some programs being a member allows you to bypass the counter completely! Joining these programs involves giving the company your drivers license and credit card information in advance. It can usually be accomplished online in a few minutes, though you should allow a week or two to get your membership card in the mail. When you join, you can also specify whether you want the CDW/LDW insurance, which can save a lot of hassles at the counter.
Stay over a Saturday night if at all possible. Like the airlines, most car rental companies offer the lowest rates (and almost all of their coupon specials) only to those who stay over a Saturday night. We learned this the hard way when doing a rental from a Sunday night through a Friday afternoon — none of the coupons seem to apply.
Rent for 5 days or more (if it fits your travel plans). Usually weekly rentals require a 5-day minimum. Weekly rates are almost always cheaper than daily rates, and coupon specials often apply only to weekly rentals. Note that you cannot turn in the car early and still get the original rate.
Rent for 3 days or less, over a weekend (if it fits your travel plans). Usually weekend rentals require a 3-day maximum and a Saturday night stay. Weekend rates are almost always cheaper than daily rates, and there are often coupons for weekend rentals. Note that you cannot turn in the car late and still get the original rate.
Don’t get stuck on size. If you’re not finding any good rates for a compact or economy car, try pricing a larger vehicle. Sometimes the smaller cars sell out first and the agencies have a glut of midsize or fullsize cars. Depending on demand, it’s not all that unusual to find a fullsize car or even an SUV for LESS than a compact!
If your departure time is an hour or two later in the day than your arrival time, it’s worthwhile to play around with the return times when you are reserving the car online. A few of the rental car companies have a “grace period” before they charge you for an additional day. For instance, the no-charge “grace period” at Avis and Budget seems to be about 29 minutes. Hourly rates apply if you return the car within the period of 30 minutes to 2 hours past the pick-up time. Here’s an example of how this could help you save: let’s say you’re arriving on a Monday and picking up your car at 4:00 pm. You’re leaving the following Monday evening. Turning your car in at 4:15 pm might not incur any additional charge, turning it in at 4:45 pm would incur an hourly rate charge, and starting at 6:00 you’d be paying for a full additional day. Thanks to Dan B and Paula H for the info.
If you have an American Express card that participates in the Membership Rewards program, be aware that the rental car rewards usually cannot be used with other discounts. You’ll have to pay the standard rates, less the dollar amount of the reward certificate. For that reason, the rental car rewards are not usually such a hot deal. Thanks to Cathy D for pointing this out.
Best and Worst Agencies in Orlando
We pretty much stick to the big agencies: National, Avis, Hertz, Alamo and Budget all offer some form of express pickup in Orlando for members of their frequent-renter program. They all have good service, car quality and speed of drop-off, and they are all conveniently located on the airport property. We have had good results renting from all of them and would not hesitate to choose them again.
Dollar, Enterprise and Thrifty don’t currently have a “direct to the car” express program or check-in kiosks that allow you to bypass the counter, at least not in Orlando, but the cars and service are fine and we will use them when they offer a much better deal. Joining Dollar’s frequent renter program allows you to use their “express” counter, which saves time when picking up, and they typically have your paperwork all printed out and waiting for you. It’s still not as good as going straight to the car or using a kiosk.
The other agencies occasionally offer lower prices, but we have usually found that by taking advantage of coupons and discount codes and by re-checking rates several times before each trip, we can get prices just as good or nearly as good from one of the big name companies, and with a tremendous time savings because of the “skip the counter” programs.
Understanding Rental Car Company Relationships
Many rental car companies have divided their business between two different brands. The brands are owned by the same parent company, but generally speaking, one brand is intended for business travellers and the other for leisure (vacation) travelers. Firefly and Payless are super-budget brands that are owned by Hertz and Avis/Budget, respectively. Enterprise is another business-oriented brand owned by Alamo/National.
The “business” brand often has newer, better-equipped cars and a higher service level than the “leisure” brand. (A significant exception exists: Budget, while marketed as the “leisure” brand of Avis, offers excellent vehicles and service — equivalent to many “business” brands.)
If you make an effort to shop around, use discount codes, etc — you can often rent from the “business” brand for the same cost as (or even less than) the “leisure” brand.
|Business Brand||Leisure Brand||Other Brand|
Did you know that you probably do not need to purchase the extra insurance offered by rental car companies (i.e. Collision Damage Waiver/CDW, Loss Damage Waiver/LDW, Personal Accident Insurance/PAI) on your rental car? Skipping the extra insurance can result in a savings of $15 or more a day, so be sure to check this out with your own insurance and credit card companies before you go!
Most US residents are covered for collision damage by their own auto insurance policies unless they are renting an unusual vehicle. (Note that some policies may exclude rented SUVs, luxury cars or convertibles.) Call your insurance company to confirm what type of coverage your policy provides for rental cars.
Many upper end credit cards and charge cards, such as Gold and Platinum American Express and some MasterCard and Visa cards, also include insurance benefits when you use them to rent a car. Credit card benefits differ widely, so call to get specifics before choosing whether or not to purchase the insurance.
- Some only offer “gap insurance” that covers your personal auto insurance deductible. The better cards give you “secondary coverage,” meaning you must first submit a claim to your personal auto insurance carrier (if any), and then the credit card company will cover whatever is left over.
- The very best is “primary coverage” — offered by Diners Club and a few high-end Visa and Amex cards — which means you would not have to make a claim with your auto insurance company in the case of an accident, so your rates would be less likely to increase.
Rental car counter agents may warn that your personal auto insurance or credit card won’t cover your rental, especially for “Loss of Use” (LOU). This can be a real issue, but it’s primarily a scare tactic to get you to buy the extra insurance (and the counter agents are compensated financially for selling high-profit “extras” like insurance). LOU basically means that if the car is damaged during your rental, the car rental company will try to keep charging you the daily rental fee until the car comes back from the repair shop. This is ostensibly to compensate the company for lost revenue. In reality, the rental car company often has plenty of extra cars and hasn’t actually lost any revenue, because the car wouldn’t have been rented out anyway. It’s also apparently common for the rental car companies to pad the LOU bill by claiming the car was in the shop longer than it actually was. Here are a few points to consider about “Loss of Use”:
- Some personal auto insurance will cover Loss of Use for rental cars. In fact, some states require that your auto insurer must cover this.
- Some credit card companies also cover Loss of Use. However, some credit card companies won’t pay the LOU unless the rental car company proves it really lost revenue. If the rental car company won’t cooperate, some credit card companies may say “too bad” and stick you with the LOU bill. Other credit card companies will fight the LOU on your behalf, or pay it for you.
- Call your car insurance company and credit card issuers to ask about Loss of Use coverage. If they don’t cover it, you’ll have to decide whether it’s worth the risk. We understand some people have hired attorneys who successfully argued against paying for LOU unless the rental company could prove it lost the revenue. This is obviously a big hassle and there’s no guarantee it will work.
If you’ve determined that you don’t need the insurance offered by the rental car agency, be sure to check very carefully and make sure they do not add insurance to your paperwork! A number of people have reported that even after they repeatedly and emphatically told the rental agent that they wanted to refuse the insurance, when they returned the car, they had been charged for the insurance. In some cases this nearly doubled the cost of the rental. It turned out that during the rental process they had been instructed to initial a space that indicated they accepted the insurance. This has been reported at almost every agency. Be sure to read what you’re initialing!
Another misleading insurance sales ploy that has been reported is this: the rep refers in passing to “basic coverage” and implies that this is something included or standard. Rental car companies do NOT include any basic insurance coverage in the US, unless you have some kind of specially-negotiated corporate contract with them (i.e. if you are traveling on business, your company may have some kind of insurance included in its master contract with the agency). Statements like “okay, so you just want the basic coverage” are a way of misleading you into buying insurance you don’t need or want. Again, if you have determined that you don’t need additional insurance from the rental car company, it is very important to examine your paperwork and make sure no insurance has been added. Remember, counter agents earn commission on selling you “extras” like insurance!
If you have determined you don’t need extra insurance, the easiest way to avoid having insurance added during the rental process is to sign up for the rental car company’s frequent renter program. This allows you to do almost all of the paperwork in advance (and usually you get to avoid the check-in line, or stand in a special line). Because you have already chosen “no insurance” in advance, the issue shouldn’t even arise.
Beware of Suggested “Upgrades” at the Counter
Among the various misleading tactics car rental companies use is the “upsell” or “suggested upgrade.” You show up at the rental counter with your confirmation in hand, and the rep offers to upgrade you to a bigger car for “just a little more” money. (Alternatively, sometimes they will look at your family and claim the car you reserved isn’t going to be big enough for all of you and your luggage. Then they offer an “upgrade” for a few dollars more per day.)
This is a scam, pure and simple. 99% of the time, if you turn down the “upgrade,” it will turn out they don’t actually have any cars left in the category you reserved. They know this, and they know they are going have to upgrade you into a larger vehicle without additional charge. But first they’ll try to get you to pay for the upgrade. Don’t let them.
Why do they do this? Because rental car counter agents earn financial incentives for “upselling” you! It’s a good reason to avoid going to the counter. Before you rent, sign up for the rental car company’s frequent renter program, especially if it allows you to skip the line and the sales pitch.
Prepaid Gas Option
When you pick up your rental car, most companies will offer you the option of prepaying for a full tank of gas, often at a temptingly low per-gallon rate. The pitch is that this is “convenient” and will “save you money.” They’re also playing on people’s fears of not being able to find a gas station (or one with “normal” prices) on their way back to the airport.
Well, it may be convenient, but we don’t think it’s a good idea. When we’re in Orlando we usually drive across Walt Disney World several times a day and visit multiple off-site locations — and after 5 days, we still have a half-tank of gas left. When you buy the “prepaid” tank, you’ve effectively lost the value of any gas remaining in the car when you return it. You paid for that gas, but you’re giving it back to the company to “sell” to the next renter. Basically, to make the prepaid tank worthwhile you’d have to return the car on fumes. Personally that would make us very nervous!
If you don’t buy the prepaid gas and return the car less than full, the rental company’s inflated gas prices are typically only about $1 more per gallon than the prevailing local rates. Returning a car that needs to be topped up with four or five gallons will cost you about four or five dollars over and above the money you’d already spend to fill it up at a nearby gas station.
Our advice is to decline the prepaid tank of gas. At the end of the rental, try to fill your rental car on your way back to the airport, but if you’re running late or can’t find a gas station, don’t freak out. Just go ahead and return the car partially full. It’ll cost you an extra few dollars on those rare occasions when you can’t fill it up, but on average you will come out ahead versus buying the “prepaid” tank of gas.
(Click here to see information about good places to buy gas near Walt Disney World.)
Florida Toll Passes (SunPass)
If you go through the express lane (SunPass lane) on a toll road in Florida while driving a rental car, be prepared for major surcharges from the rental car company.
We first learned about this from MouseSavers.com readers Ericka and Joe, who rented with Budget for an Orlando vacation. “Posted on the inside of the car (but never disclosed by any employees) was a new service available to the renters. You can use the built-in toll transponder in the car. The way it works is that you go through the fast toll lane and they charge your credit card for the tolls [plus a big daily fee]. A guy in line in front of us warned us about it. The ‘disclosure’ in the car was a static cling that was on the back window of the car. The cling was clear, so I wouldn’t have ever noticed it if I hadn’t been looking.”
If you use this “service” at most major agencies, there is typically a service charge of $3.95 per day for each day of your rental regardless of whether you use the car (or toll booth) that day, plus the actual cost of tolls. In short, using the transponder even once, for a 50 cent toll, could result in your toll turning into a $15.25 charge on a 5-day or longer rental; the service fee at most agencies maxes out at $16.75 per rental month, plus the cost of tolls.
By far the worst deal on this “service” is at Dollar and Thrifty, where you pay $7.95 per day for the entire rental, up to a maximum of $41.99 per week. Tolls are included in that fee, but bear in mind that the total cost of the tolls you’re likely to pay for a one-way trip between Orlando International Airport and Disney World is about $3-$4, and those tolls are likely to be the only ones you’ll need to pay during your entire vacation. Unlike other rental car companies, at Dollar and Thrifty you have to opt into their wildly overpriced Pass24 transponder service at the time of rental. They will push you to add this feature, because their counter agents are compensated to “upsell” you on this highly lucrative add-on.
- Click here for a summary of the fees charged by the various rental car companies
The rental car transponder service from the rental company is not a good deal. The SunPass lane does not save you more than a minute or two on the toll roads you will encounter around Orlando. Right now the rental car toll transponder is a totally unnecessary fee that you can easily avoid. In the Orlando area (including the toll roads between Orlando International Airport and Disney World, and between Orlando and Tampa Bay/Busch Gardens) you can still pay cash for tolls by stopping at a toll booth. There are plans to eliminate the cash lanes eventually, but that hasn’t happened yet in the Orlando area. Currently the only toll roads with no cash lanes are in South Florida, between Milepost 0 in Florida City and Milepost 47 at the Miami-Dade/Broward County line; Miami-Dade Expressway Authority’s State Road 924, State Road 874 and State Road 878; and Tampa-Hillsborough Expressway Authority’s Selmon Expressway.
So unless you have a specific special offer for prepaid tolls on your rental and you’re sure it’s a good deal, go through the cash lane at the toll booths and use cash for your tolls. Be sure to have a dollar or two in quarters. Many of the exits and entrances to the toll roads are unattended and require you to toss coins into a collection point in order to pay the toll.
- Click here for the best/easiest routes between the MCO airport and Disney World, and info on cash tolls
- Click here for information about how to get and use your own SunPass transponder
Thanks to Clement P, Munro R and Lee D for info.
Child Safety Seats
If you need safety seats or booster seats for your kids, be sure to check with the car rental agency about whether there is an extra charge for them, since that can add a substantial amount to your costs. Some, but not all, rental minivans include integrated child safety seats.
It definitely pays to shop around if you need car seats with your rental. MouseSavers.com reader Cathy D reports, “We have a 3 and 1 year old so we need two car seats. Most car rental companies charge between $7 and $10 a day per seat. National also charges $7 a day but they have a maximum rate of $49 per car seat per rental. Other companies like Budget would charge me the daily rental rate for the entire period. For a two week stay, it’s a $100 savings combined for the 2 seats.”
Of course you can take your own car seats along, which is the safest option but can be a hassle.
Other Ways to Rent a Car
Note that when using the third-party rental sources below, you probably won’t qualify for the benefits associated with any frequent renter programs you may belong to, such as National’s Emerald Aisle or the Alamo Insiders program.
- Travelocity has a page devoted to its current rental car deals, and it’s a good place to compare rates, since it lists all the major (and many minor) rental car companies.
- Expedia is a great site to compare deals on the rental car companies, and sometimes has special rate offers.
- Hotwire offers an interesting service. You pick your dates and pickup/drop-off location and times, and they tell you the best deal available — often well below the going rate. However, you won’t know exactly which car rental agency you’re getting until after you’ve accepted the deal. Some people have done well with getting bargains through this service.
- Priceline offers rental cars through its “Name Your Own Price” option, and it’s possible to get a very good daily rate if you’ve done your homework and know how much to bid. Keep in mind that you cannot pick the rental agency (in Orlando, it’s usually Alamo or Budget, sometimes Hertz) and once you place your bid, it’s no refunds, no exchanges. MouseSavers.com Marjan N warns, “If you try the name your own price option and enter SFB (Sanford International) as the pick-up/drop-off airport, you may actually get a match for MCO (Orlando International),” so be sure to look at your reservation carefully!
- CheapTickets.com sometimes offers great rental car deals, in addition to discount airfares.
- If you need both airfare and a rental car, there are some good resources for booking a cheap vacation package that includes both. Note that most of them offer the best deals fairly last-minute (typically 2 weeks to 4 months in advance). If you are booking really late (3 weeks or less before your departure date) these are especially worthwhile, because sometimes you can buy an entire package (airfare and rental car) for LESS than it would cost to book a last-minute airfare alone! Click here to learn more about the best places to find deals on these packages.
The question arises every time you rent a car: Do I really need rental car insurance?
Many rental agencies offer damage waivers for about $15 to $25 a day, selling peace of mind along with expanded coverage. But these waivers are often no better than the coverage you already have with your favorite credit card.
Depending on where you rent, the rental company’s liability for injury or property damage may be anywhere from $25,000 to $50,000. This could still leave a big bill for you to pay, but your credit card may also step in — sort of. All four major card networks offer rental insurance, but vary substantially in benefits and requirements.
In some cases, car-rental customers may want to purchase full coverage from the car-rental company to avoid the hassle of making a claim or reporting an accident to their primary insurer and the credit card issuer. Make sure you’re comfortable with that process before relying on your credit card’s secondary coverage.
You can also get primary coverage for your car rentals with these two credit cards:
Learn More The Chase Sapphire Preferred® Card is one of the Nerds’ favorite travel cards, so it helps that it offers primary rental car insurance at no extra cost. You’ll earn 2 Ultimate Rewards points per dollar spent on travel and dining and 1 point per dollar spent on everything else. Plus, the card has one of the most valuable sign-up bonuses on the market: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®.
It has an $0 for the first year, then $95 after that, and doesn’t charge a foreign transaction fee.
Learn More If you’re a loyal United flyer and often rent cars, the United MileagePlus® Explorer Card might be the right choice for you. It offers 2 miles per dollar spent on United tickets and 1 point per dollar on all other purchases, plus a decent sign-up bonus: Special offer: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
The United MileagePlus® Explorer Card has a $95 annual fee and no foreign transaction fees. You and a companion traveling on your reservation will also get your first checked bag free when you pay with the card, saving you up to $100 per roundtrip.
What to know about credit card rental coverage
Before we review the rental car insurance benefits offered by each network, you should know that:
- Generally, your credit card offers secondary rental insurance. This means that it will only pay for the cost of certain damages not covered by your regular car insurance policy.
- As the cardholder, you must book the rental car with your credit card under your name to receive coverage. Only carrying a card that offers rental car insurance isn’t sufficient.
- Typically, you must refuse the coverage offered by the rental car agency to receive rental car insurance benefits from your credit card. We’ll discuss exceptions to this general rule below.
- This article applies to consumer credit cards. While many business credit cards offer rental car insurance, coverage levels could be substantially different from the benefits described below.
- Cards in the same network may have varying levels of coverage. Some issuers don’t offer rental car insurance at all, while others set terms that differ from the network standard. Call your bank or check your card’s benefits statement to learn more about your specific card’s benefits.
Nerd note: Much of the information discussed in this article is a compilation of resources available online. However, some of it was obtained through phone calls to customer service hotlines. It’s important to contact your card’s issuer to verify its coverage policy before you rent a vehicle. Here are some important terms to know before you call:
- Loss of use: The cost of renting another car while the original is out of commission.
- Fully utilized: Generally, this term describes when 80% of a rental company’s cars are in use. A card network may cover loss of use only if the auto rental company’s fleet is “fully utilized.”
- Diminished value: The amount that the rental car’s resale value decreases. This cost is usually relatively small, unless you manage to significantly damage the car without totaling it.
- Antique cars: Usually defined as a car made at least 20 years ago or one that has been out of production for 10 years. All networks exclude coverage of such vehicles.
- Vans: As a general rule, personal-use vans that seat eight people or fewer are covered. However, some waivers specifically exclude certain SUVs, and almost all exclude cargo vans.
Benefits by network
Visa, MasterCard, American Express and Discover all provide rental car insurance above and beyond what your primary insurer and rental company will offer. Here’s a quick overview of each network’s benefits and limitations:
Visa: Visa is often touted for its excellent rental car insurance benefits, mostly because it’s widely available for cardholders. Unlike many other networks, it offers rental car insurance on all of its cards — standard, Signature, rewards, the works. However, it limits its rental car coverage period to only 15 consecutive days domestically and 31 consecutive days abroad.
MasterCard: Its benefits are similar to Visa’s. However, rental car insurance is not offered on all cards, and it limits its coverage period on all rental cars to 15 consecutive days or fewer. According to customer service, it’s available only on Platinum, Gold, World and World Elite cards.
American Express: American Express is the only network to offer premium coverage for a small fee. It offers free secondary coverage up to $50,000 ($75,000 on The Platinum Card® from American Express and the Delta Reserve Credit Card), but will offer primary coverage with a higher limit and protection against injury and property damage if you choose it.
Discover: Discover’s coverage is limited to a handful of cards. Unlike the other three networks, Discover doesn’t cover loss of use fees, only collision damage up to a $25,000.
Visa and MasterCard
Both Visa and MasterCard emphasize that their terms vary by issuing bank. Again, check with your particular card’s issuer before renting your vehicle.
|Offered on||All cards||Gold, Platinum, World and World Elite|
|Rental period||15 consecutive days domestic/31 abroad||15 consecutive days|
|Must decline rental insurance?||Yes||Yes|
|Vehicle value||Not specified||$50,000 or less|
|Includes||Physical damage, theft, loss of use*, towing||Physical damage, theft, loss of use*, towing|
|Excludes||Injury, liability, property damage, taxes, damage to other vehicles, diminished value, tire wear and tear|
|Primary or Secondary?||Secondary||Secondary|
|Drivers covered||All authorized drivers|
|Vehicles excluded||Expensive, exotic or antique cars, trucks, pickups, RVs, motorcycles, ATV’s, limousines and certain vans|
|Excluded countries||Ireland, Northern Ireland, Israel, Jamaica||Maybe Italy, New Zealand, Australia, Ireland, Israel, Jamaica (Contact your vehicle rental agency before traveling)|
|Excluded SUVs/vans||Vans with more than 8 seats||Sport utility trucks (i.e. Chevy Avalanche, GMC Envoy, etc.), full-size vans|
|Max coverage||Not specified||$50,000|
|Max loss of use*||Not specified||Not specified|
|Report/file claim within||45 days||30 days|
|Source||Visa||MasterCard benefits and a call to customer service|
*To be compensated for loss of use, the rental company must prove that the fleet is “fully utilized.” Most rental agencies won’t bother, so your chances of getting this benefit aren’t very high.
American Express has various exemptions for students, Californians and Floridians, see below for the details.
|Benefit||American Express Basic||American Express Platinum||American Express Premium|
|Offered on||All cards||The Platinum Card® from American Express and other Platinum-branded AmEx cards, Delta Reserve Credit Card||All cardholders can purchase|
|Rental period||30 consecutive days from the same rental company, or 30 consecutive days out of a 45-day period within the same geographic location (75-mile radius) from any rental company||30 consecutive days from the same rental company, or 30 consecutive days out of a 45-day period within the same geographic location (75-mile radius) from any rental company||42 days (30 in Washington State)|
|Must decline rental insurance?||Decline full coverage, can accept partial collision damage waiver|
|Vehicle value||<$50,000||<$75,000||Not specified|
|Includes||Physical damage, theft, towing, storage, loss of use||Physical damage, theft, towing, storage, loss of use, certain medical expenses for accidental personal injury, AD&D, personal property||Physical damage, theft, towing, storage, loss of use, certain medical expenses for accidental personal injury, AD&D, personal property|
|Excludes||Injury, liability, property damage, diminished value, taxes, wear and tear|
|Primary or secondary?||Secondary||Secondary||Primary (accidental personal injury and personal property benefits are secondary)|
|Drivers Covered||All authorized drivers|
|Vehicles excluded||Expensive, exotic or antique cars, trucks, pickups, cargo vans, custom vans, full-size vans, vehicles used for commercial purposes, antique cars, off-road vehicles, RVs, motorcycles, etc.||Trucks, pickups, cube vans, box trucks, leased vehicles, customized vehicles, antique cars, limousines, off-road vehicles, motorcycles, RVs, etc.|
|Excluded countries||Ireland, Israel, Jamaica, Australia, Italy, New Zealand|
|Excluded SUVs/vans||Full-size sports utility vehicles (i.e. Chevy/GMC Suburban, Tahoe and Yukon, etc.), vans with more than 8 seats||N/A|
|Max car coverage||$50,000||$75,000||$24.95 plan: $100,000|
|Max medical expenses per person||N/A||$5,000||$24.95 plan: $15,000 per person, |
Accidental death and dismemberment: $100,000
|Max personal property damage or theft||N/A||$1,000/person, max $2,000||$24.95 plan: $5,000/person, $10,000 max|
|Max loss of use||Not specified|
|Report/file claim within||As soon as reasonably possible/60 days|
American Express Exemptions
Students: A Personal, Gold or Rewards Plus Gold cardholders who are enrolled in an accredited four-year college or graduate program in the United States, and are receiving student benefits provided by card membership, are ineligible.
California: Maximum coverage costs $17.95 for:
- $100,000 car damage
- $250,000 accidental death and dismemberment
- $15,000/person medical expenses
- $5,000/person property damage, maximum $10,000 overall
Florida: Property damage is capped at $15,000 per person, $25,000 overall.
|Offered on||Discover® Motiva Card, Discover® Open Road Card, Discover® More® Card||Escape by Discover® Card|
|Rental period||31 days, 45 for employees using business credit card||31 days|
|Must decline rental insurance?||Yes||Yes|
|Includes||Collision or upset only||Physical damage, theft, towing|
|Excludes||Theft, any damage not due to a collision, injury, liability, property damage, taxes, damages to other vehicles, wear and tear, loss of use||Injury, liability, property damage, taxes, damage to other vehicles, diminished value, tire wear and tear|
|Primary or secondary?||Secondary||Primary (under certain conditions)|
|Drivers covered||All authorized drivers|
|Vehicles excluded||Expensive, exotic or antique cars, trucks, pickups, RVs, motorcycles, off-road vehicles, mini-buses|
|Excluded countries||Valid in any country that accepts Discover||Ireland, Israel, Jamaica, Australia, Italy, New Zealand|
|Exclude SUVs with more than||Doesn’t specify seat exclusions, but doesn’t cover all vehicles||Sports utility trucks, vans with more than 9 seats|
|Max loss of use||N/A||N/A|
|Report/file claim within||File claim in 90 days||30 days|
Image via iStock.
Florida Car Insurance
Florida law requires residents of FL to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance.
Luckily, Florida offsets this coverage requirement by offering some of the lowest car insurance coverage minimums in the country.
Learn more about Florida's car insurance requirements, the effects of traffic violations on premium costs, and how to get the best quotes on car insurance available.
FL Auto Insurance Requirements
Florida is a no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy's limits, regardless of who caused the accident.
The minimum limits for Florida car insurance coverage are:
- $10,000 of no-fault or personal injury protection (PIP) insurance.
- $10,000 of property damage liability (PDL) insurance.
Personal Injury Protection
In addition to covering your part of any medical expenses and income loss that result from a car accident, your Personal Injury Protection, or PIP, insurance will also cover:
- Your child and other members of your household.
- Your child (when he or she is riding on a school bus).
- You (when you are a pedestrian or bicyclist involved in a car accident.)
- Passengers in your car who do not have their own PIP insurance and do not own a car.
Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else's car.
Property Damage Liability
Property Damage Liability (PDL) auto insurance in Florida will cover you for damages you cause in a car accident to someone else's property, such as homes or buildings.
Violation Penalties and Fines
The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires your insurance company to electronically notify them if there is a cancellation of your insurance policy.
If the DHSMV has no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension. If you are not able to provide the DHSMV a proof of insurance before the suspension date, your driver's license, plates, and registration will all be suspended.
To reinstate these, you will have to provide proof of Florida insurance and pay a fee of:
- $150 for your first offense.
- $250 for your second offense.
- $500 for each offense after.
If you are able to provide proof of insurance to the DHSMV before the date of suspension, you will not face any penalties.
You can provide your proof of insurance:
- Online at the DHSMV website.
- In person at a driver license office.
- By phone at (850) 617-2000.
If you no longer own the car, surrender your plates and registration to the Florida DHSMV to avoid suspension of your FL driver's license.
Optional Car Insurance in Florida
While Florida law mandates the minimum amounts of coverage you must purchase, you always have the option of purchasing higher amounts of coverage on your property injury protection and property damage liability coverage.
Also, for those looking for more comprehensive coverage, most Florida car insurance companies will offer the following types of optional coverage:
- Comprehensive – This coverage will pay for damages to your car that do not result from accidents, e.g., scratches to your car's paint due to vandalism.
- Collision – This coverage will pay for accident-related damages to your car.
- Towing and labor.
- Uninsured/underinsured motorist – This coverage will pay for damages incurred by incidents with drivers who do not have insurance.
- Rental car coverage.
NOTE: While comprehensive and collision coverage policies are not required by Florida law, your lender will require you to purchase both if you are financing your car.
Bodily Injury Liability
One of the major reasons that Florida requires no-fault car insurance is to protect FL drivers from being sued after an accident. However, if you get into an accident, there's still a chance the victim(s) will sue you, especially if one or more victims suffers severe injury or if there is a fatality.
To help cover you in these cases, you can get Bodily Injury Liability (BIL) car insurance in Florida. If you have BIL coverage and you are found responsible for an accident, this coverage helps to pay for injuries to the victims of that accident, up to the coverage limits of the policy.
Bodily injury liability coverage will even help pay for the cost of a lawyer if you are sued after an accident.
Insurance Penalties: SR-22 and FR-44
In Florida, you may be required to purchase additional car insurance if you've been in a car accident or you've had certain traffic violation convictions.
SR-22 in Florida
Certain incidents or violations may require you to carry an SR-22 certification, which mandates that you purchase bodily injury liability, or BIL, car insurance on top of the basic Florida car insurance requirements.
You will have to carry an SR-22 for 3 years IF:
- You are involved in a car accident that causes injuries or property damage.
- You have had your driver's license suspended due to excessive traffic violation points.
- Your driver's license has been habitually revoked.
If you are found guilty of driving without car insurance, you may have to carry a 6-month non-cancelable SR-22 for up to 2 years. A 6-month non-cancelable SR-22 requires you to pay your entire premium up front each time you renew your policy.
FR-44 in Florida
If you are convicted of a DUI in Florida, you may be required to purchase additional insurance and file an FR-44 form as proof of that coverage. FR-44 certificates are required when a driver has been convicted of a DUI and did not hold the following amounts of coverage for bodily injury liability and property damage liability insurance on the date of the arrest:
- $100,000 for injuries to any one person.
- $300,000 for injuries to all people in one accident.
- $50,000 for property damage liability (PDL).
If you are subject to the FR-44 requirement, you will need to add BIL and PDL coverage to your policy, with the minimums shown above.
You must have your FR-44 for at least 3 years from the date of suspension.
Driving under the influence is not only dangerous, but it can also be extremely costly. Stay safe and keep your car insurance premiums down.
The Most Stolen Cars In Florida
Driving a car that is known to be a target for car theft may increase your car insurance premium.
The following is a list of 2013's most stolen cars in Florida according to www.nicb.org:
- Ford Pickup (Full Size).
- Honda Civic.
- Honda Accord.
- Nissan Altima.
- Toyota Camry.
- Toyota Corolla.
- Nissan Maxima.
- Chevrolet Pickup (Full Size).
- Dodge Pickup (Full Size).
- Dodge Caravan.
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