For your car rental insurance, Enterprise Rent-a-Car is the best solution; they have the best insurance in the country for this purpose. You can opt for different policies with unique coverages in each case.
However, if you have auto insurance for your vehicle, you may not need rental car insurance. You should always evaluate your coverages and evidence exactly what you require.
Enterprise insurance cost
Enterprise rental car insurance ranges from $5 to $20, depending on your vehicle type and coverage. The insurance options with the company are personal accident, personal effects coverage, and additional liability protection.
Depending on your choice, you will have to pay an additional cost to purchase the coverage. To get a better idea, the following is a breakdown of the coverages of this company:
Personal Accident Insurance (Personal Effects Coverage)
With Enterprise’s Personal Accident Insurance, you have coverage for medical expenses and benefits in case of accidental death of the renter and affected passengers. On the other hand, the personal effects coverage is extended to both the renter and the qualified passengers.
The price of this coverage changes depending on where you are located, but the approximate price remains between $5.13 and $13.
Supplemental Liability Protection
With this coverage, you have up to $1 million in coverage for third-party liability claims. It has excellent benefits and is priced between $11.19 and $18 per day per SLP, depending on your location.
Purchase collision/liability damage waivers
In this case, we are not exactly talking about insurance. Still, it is a good option because an Enterprise contract ensures that you will not have any liability in case of theft or damage to the rental vehicle.
Usually, these waivers are around $21.99 per day, but everything can change depending on the type of car and the office’s zip code where you pick up and return the vehicle. On the other hand, you can purchase a roadside assistance protection policy.
That way, you won’t have to cover too high of expenses in case of emergencies if you get stranded in the middle of the road. To obtain this protection, you need to pay $3.99 per day.
How does Enterprise’s rental car insurance work?
Generally, if you have full auto insurance, it will cover your rental car when you travel. If you do not have personal auto insurance, you can purchase full coverage insurance with Enterprise.
Enterprise vehicles are also insured, but the policy is lower than expected and will not cover some cases. If you rent a car only with this insurance, you will be covered only for the minimum liabilities imposed by the state.
In addition, it usually protects the company and not the driver; it is advisable to purchase the loss damage waiver or collision damage waiver from the company. You will remain covered, and the value is higher for these cases.
Is it totally necessary to contract this insurance?
It is necessary to mention that it is more expensive than normal vehicle insurance because you pay when you use it. If you purchase a full coverage package, the prices will be higher.
Despite this, if you do not have insurance and rent a vehicle, it is better to cover the Enterprise insurance costs than to be responsible for the expenses in case of damage to the car.
It is not an obligation, but it is a peace of mind; you can be sure that if you suffer a collision, theft, or get stranded in the middle of the road due to a lack of gas or a flat tire, you will always have help from the insurance company. You will not be responsible for costly expenses as an independent.