Does Costco Offer Car Rental Insurance?

Last Updated on May 30, 2023 by Kristin

At Costco, you can find almost anything in bulk and score some nice rental car deals to boot. But does the discount superstore also offer rental car insurance?

Not quite. Renting a car with your Costco membership discount can snag you a great deal. But it’s up to you to make sure you have insurance. That could be either through your personal auto insurance or credit card, or purchased over the rental-car counter.

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The only way to know for sure if a Costco discount is in fact the best possible deal is to do your homework and comparison shop. You can do this research yourself, or let AutoSlash crunch the numbers for you. We scour the internet for discounts and coupons and factor in your memberships to groups such as Costco, AAA and AARP, so you always know all the bases were covered. Best of all, our service is free.

Do You Need Supplemental Rental Car Insurance?

So let’s assume you’ve booked a car using your Costco member discount. Now you have to figure out if you need supplemental car rental insurance.

If you own a car, you can probably pass on the collision damage waiver that rental car companies will offer when you go to pick up the car. It’s highly likely that your personal car insurance also extends to rental cars but, to be sure, call your insurance company and ask.

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If you are paying for your rental car with a credit card, it is highly likely that your card includes secondary rental car coverage. That means this insurance kicks in only after your personal auto insurance deductible has been met. If you pay with a premium credit card, however, you may have primary rental car coverage. In case of an accident, this coverage would supersede your auto insurance, which means your auto insurer never has to get involved.

If you are unsure what coverage you already have or want to boost your level of coverage, you can purchase insurance at the rental car counter or buy it more cheaply from a third-party insurer like Sure.

Related:

• Snag a Costco Discount at These 4 Rental Car Companies
• Should You Buy Car Rental Insurance?

The post Does Costco Offer Car Rental Insurance? appeared first on AutoSlash.

Frequently Asked Questions

Do you need a car for Europe?

The best solution for you depends on where your life is and what you're looking to do. A typical European urban area might have different priorities to a rural one.

Consider how long you intend to stay in each place. An economical car might not be the best choice if you plan to travel frequently or if you intend to stay in one location for a long time.

Renting a car is usually more affordable than buying a second-hand vehicle. Renting a car in Europe can be more expensive than buying a second-hand vehicle. There are many reasons for this. For instance, you save money on fuel, parking fees, maintenance costs, insurance, taxes, etc.

Another benefit is that the car can be driven safely.

There are many excellent websites available that offer information about car rentals in Europe. You should check out the following recommendations.

What separate insurance do I need to drive in Europe with my car?

If your current insurance doesn't provide cover, consider buying additional coverage for foreign drivers.

This is due to the fact that there could be different rules about who is responsible if an accident takes place between two cars from different nations.

You should carefully read all the fine print before you sign up for this additional cover. Some policies may exclude certain types.

Also, make sure to check if your existing policy covers overseas trip. This is commonly called an 'extended warrantee' and may be more affordable if you buy it separately.

What is the top car rental company in the USA

The customer service at Hertz is second to none. They are always ready to help you find the right vehicle for any occasion. They offer great discounts on cars and have a wide range of cars in all major cities. Renting a car can be as low as $10 per day

Hertz also offers free airport pick-up and drop-off services, 24-hour roadside assistance, and even a full line of accessories and equipment to ensure you stay safe while driving around town.

If you're looking for a quality car rental experience, check out the Hertz website today!

Can I rent a car in the US if I am from another country?

You can't rent an American vehicle if your are not a citizen of the United States. This may include waivers for certain countries. In addition, you must also meet several requirements, including having valid documentation such as a passport and proof of insurance. This topic is further covered on the DHS site.

What do you need to rent a vehicle in Europe?

You can find a cheap rental car in Europe by visiting several websites like Alamo, Sixt and Europcar. Online booking is also an option.

Before renting a car, you must make sure that you have all the information necessary. This includes, but not limited to:

• Your full name, including any middle names (if applicable)
• The address where you're staying
• Date, Time & Place of Pickup
• The vehicle to be rented must match the make and model.
• Number of the policy and insurance company
• Requests for extra equipment
• Details about the rental agreement (e.g. rate, duration, deposit, balance due after trip, excess charges and limits of liability. Cancellation penalties.
• Payment method(s), credit card, debit card cash, personal cheque or cash

Once you have all of the information above, you can book your vehicle at one of these companies.

Is hail damage my responsibility when I am renting a car in the United States?

Your insurance company will pay for all damages caused by natural disasters, such as floods, tornadoes, and hurricanes. Your rental agency can clarify whether this applies to your vehicle.

Is my car insurance able to cover foreign rental cars?

Insurance companies are now covering rental vehicles in foreign countries as part their overall policy coverage. Renting a car from Hertz Europe may provide protection against damage to the vehicle. Mexico offers the same protections if you rent your car. Some policies include additional protections like waivers for liability or collision damages. These policies are available to you through your agent.

Statistics

• American Airlines, for example, offers AAdvantage members 35% off Budget and Avis — but you need to rent from an airport. (nerdwallet.com)
• In 2019, the most crucial factor is the cost and fees of the rental (accounting for 28% of overall satisfaction with the rental experience), followed by the rental car itself at 25% and the pick-up process at 23%. (cnet.com)
• You can rent an automatic but these cars can cost as much as 50% more than a manual vehicle. (earthtrekkers.com)
• For canceled trips two days or shorter, a guest is charged 50% of one day's trip cost. (insider.com)
• Save up to 30% on your rental car in Europe when you book with us today. (autoeurope.com)

External Links

avis.com

• Avis Rent a Car
  

jdpower.com

• 2021 North America Rental Car Satisfaction Study
  
• 2019 North America Rental Car Satisfaction Study | J.D. Power
  

alamo.com

• Cheap Car Rental in the U.S., Latin America & More - Alamo Rent a Car
  
• Alamo Insiders - Alamo Rental a Car offer low car rental rates
  

kayak.com

• Search for Flights, Hotels & Rental Cars
  

How To

10 Tips for Renting a Car Cheapestly

Renting a car to move around in your local area is one of most affordable options. Online and offline, there are many different services available. You should be aware of the type of service offered by each company before you rent a car. You can choose private cars, vans, minivans, SUVs, luxury cars, etc. Some companies offer special rates to two people travelling together. You can read reviews online before making a decision about which car rental company you want to use. You can save money by booking your rental car at least a month in advance. This way, you won't pay extra fees for booking at the last minute. It's always worth comparing prices between companies.

Also, don't forget to check if the company requires an insurance policy.

If you decide to drive yourself, ensure you have enough gas because most companies charge higher rates per gallon. It is possible to become stuck in traffic jams when driving outside of major metropolitan areas. Consider using public transportation in such cases. If you have a lot to carry, it might be easier to hire a taxi or shuttle van. If you do decide to take a cab, make sure to find a reputable company. Ask for references and review customer experiences.

Also, remember that you may have a limit on the mileage you can drive when renting a car. Make sure you read the contract thoroughly and check whether you can exceed this limit. It is important to understand how much you will be charged for each mile.

Most companies allow you use the GPS navigation software for free. However, satellite radio may require you to pay extra.

Another thing to remember is that you might not be able to return your vehicle until after certain hours. It is important to not leave anything valuable in the vehicle.

Bring your driver's licence, credit card, passport and proof of insurance when you arrive at the place where you want to pick up the rental vehicle. Fill out all paperwork correctly. A few minutes later, you will receive a confirmation email with details about the pickup date and time. Drive safely after picking up your car and follow the instructions.

After you have reached your destination, be sure to park your car in a secure place. Many companies require that the keys are dropped at the office. Keep the receipt handy just in case you lose something while driving. Once you're done, return back to the office. You can now enjoy your vacation!

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