Going on a road trip is a good way to leave behind all the troubles. While on this trip, ensure you have the right car insurance policy to cover you in case of an unexpected accident. If you plan to hit the open road for your next vacation, there are some things you should be aware of when looking for car insurance for road trips.
Car insurance for road trips is important for every driver, whether driving a rented car or a personal car, to shield them against unforeseen events like accidents. This write-up contains detailed information on how car insurance for road trips works and why it is important.
How Does Car Insurance for Road Trips With Your Car Work?
If you already have car insurance, get another policy for when you travel. Most policies continue coverage within all 50 states if you’re road-tripping to another state. This is because auto insurance follows the vehicle, not the driver.
Additionally, roadside assistance is beneficial to have if your auto insurance allows it. This coverage offers towing, flat tire replacement services, and trip interruption benefits, making it beneficial for travelers. Furthermore, consult your provider to determine if your policy covers permissive use if you plan to allow someone else to drive during your trip.
How Does Car Insurance for Road Trips With a Rental Car Work?
Renting a car for a road trip may not require insurance from a rental company if you already have a policy for your vehicle. Most car insurance policies will apply to your rental car with the same coverage limits as long as it’s being used for personal travel. Moreover, confirm with your insurance provider before departing that a rental car is covered by your policy.
Generally, rental companies will pay the state-mandated minimum coverage limits for your rental. However, there are several rental car insurance options available if you want more security than what’s required by law.
Does car insurance cover trips to Mexico?
Your American car insurance will be invalid if you drive to Mexico. This means you will need to purchase Mexican auto insurance. It is against the law and punishable by jail time to drive in Mexico without auto insurance. Purchasing auto insurance in Mexico is easy. You can purchase policies online from Progressive and GEICO, as they offer daily, six-month, and annual plan options. Generally, the best deal is for a six-month policy, which runs between $300 and $400.
Are road trips covered by car insurance?
A standard car insurance policy covers common road trip issues like severe weather damages and car accidents. Whether you are driving your car or a rented car, car insurance does cover road trips.
Are Out-of-State Trips Covered by Car Insurance?
Generally, your auto insurance coverage protects you in all 50 states as well as Canada if you drive your vehicle. If you travel to another state, you don’t need to get additional insurance coverage. For instance, your auto insurance will cover you from the beginning to the end of your journey.
Additionally, all intermediate locations if you drive your vehicle from New York City to Seattle (as long as you remain in the United States and Canada). Moreover, traveling outside of the state is covered by your auto insurance if you are renting a vehicle. If you drive into Canada, certain insurance companies will increase your coverage. However, before you relocate to Canada to get coverage, it’s an excellent choice to review with your insurance provider.
How to Get Ready for Road Trips
Ensure that every requirement necessary for the trip is ready before you set out on your journey.
Inspect your vehicle.
Before you leave on your trip, ensure your car has been checked and is safe to drive. Also, check that your tires are correctly inflated, the radiator and cooling system are functioning well, fluids have been changed, and belts and hoses are in good condition.
Get an emergency kit.
The following emergency kit may include jumper cables, a tire jack, a first aid kit, blankets, flashlights, motor oil, nonperishable food, and drinking water.
Obtain roadside assistance
You might be able to add roadside assistance insurance to your auto insurance policy if you don’t already have it through your credit card, auto club (like AAA), or the manufacturer of your car.
Make a route plan before you go.
If your GPS stops working and you lose service, have printed copies of maps and directions. To prevent sleepy driving, you should plan and determine where you’re stopping.
Get car insurance.
You will probably need to provide proof of insurance if you are involved in an accident. Additionally, you can download this in advance through the mobile app of your auto insurance provider.
Lastly, ensure your credit cards aren’t expired. Also, check the cost of your accommodations in advance, let your credit card company know you’re traveling, and have some cash on hand.
Final Thought
Your current insurance policy will accompany your car if you’re planning a road trip to a nearby state or Canada. If you plan to share driving with someone else, it’s essential to contact your insurance company to determine if your policy permits permissive use. When renting a car for your trip, consider whether extra coverage from your rental company is the best option for your needs. You can ensure complete protection throughout your road trip with the aid of rental insurance.