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When it comes to rental cars and auto insurance, there’s more to the story than meets the eye. Understanding the intricacies of coverage is essential to ensure you’re fully protected on the road. At Great Lakes State Agency, serving the Lansing, MI metroplex, we offer valuable information to help you make informed decisions about auto insurance and rental cars.

Rental Car Coverage: What’s Included?

Before renting a car, knowing what your existing auto insurance policy covers is crucial. Many policies provide coverage for rental vehicles, including liability, comprehensive, and collision coverage. However, it’s always best to review your policy or speak with our insurance agent to determine the extent of your coverage.

Additional Coverage Options

While your existing auto insurance may cover rental cars, you might want to consider additional coverage options for added peace of mind. Rental car agencies typically offer supplementary protection such as Loss Damage Waiver (LDW), Supplemental Liability Protection (SLP), and Personal Accident Insurance (PAI). These extra coverages can help fill gaps in your current policy and safeguard against potential financial losses.

Credit Card Benefits

Many credit card companies provide rental car insurance benefits as part of their cardholder agreements. The benefits may include collision and theft protection. Check with your credit card issuer to understand the specific coverage offered and any applicable limitations or exclusions.

Understanding the Fine Print

Read and understand the rental agreement carefully to avoid unexpected expenses and complications. In addition, keep an eye out for terms and conditions related to insurance coverage, such as deductibles, limitations, and exclusions. This knowledge will help you decide better about your insurance needs when renting a car.

Take Charge of Your Auto Insurance Needs

Don’t let confusion or uncertainty about rental car coverage slow you down. Instead, equip yourself with the knowledge you need to make informed decisions and enjoy peace of mind on the road. Reach out to us today at Great Lakes State Agency in Lansing, MI to discuss your auto insurance and rental car needs, and let’s work together to find the perfect solution for you.

For many teenagers, driving is a right of passage and an expression of freedom. The same is true for folks who start driving later in life. A vehicle offers mobility and can open up many avenues. That said, it’s important to exercise safe driving habits and also to carry car insurance. If you’d like to discuss auto insurance, get in touch with Great Lakes State Agency, serving Lansing, MI.

Safety Driving Tips Everyone Should Know

The most obvious driving safety tip is to follow the laws. This includes posted speed limits, traffic lights, passing rules, and more. By following the law, new drivers can avoid mishaps. If a driver breaks the law and is ticketed, it might cause many problems, including rising auto insurance premiums.

Wearing a seat belt may seem overly cautious to some. However, seat belts have saved hundreds of thousands of lives so far. If you do get into a car accident, you’ll be thankful that you were wearing a seat belt.

It’s smart to practice driving in different road conditions, such as during rainstorms or on snowy streets. When you’re learning, you’ll want to take it slow so that you can get used to how the vehicle handles in such conditions.

Further, drivers should be defensive, meaning they should watch out for other drivers and risk factors. They should also maintain a considerable amount of distance between their vehicle and the car in front of them.

Auto Insurance Increases Safety Too

Car insurance provides protection. If you get in a car accident, your insurance plan may cover some of the costs, such as medical and repair costs. The insurance company might also cover legal costs if someone tries to sue a driver. That said, make sure you examine each individual plan to see what is covered. Contact Great Lakes State Agency, serving Lansing, MI, to discuss auto insurance options.

You’re planning the trip of a lifetime to Europe, and you’ve got your heart set on driving through the picturesque countryside.  Depending on your auto insurance policy in Lansing. MI, you may or may not be covered to drive outside of the country. Our team of insurance experts at Great Lakes State Agency about what you need to do to ensure you’re properly insured when driving abroad.

Do You Need Additional Insurance Coverage?

If you’re planning on driving in Europe, purchasing additional insurance coverage through your automobile club, credit card, or a rental car agency is a good idea. While your regular auto insurance policy may provide some coverage while you’re driving in another country, it’s typically not enough to cover all potential damages. That’s why it’s always best to err on the side of caution and purchase additional insurance.

What exactly does my insurance cover?

Your regular auto insurance policy will likely cover damage to the rental car itself and any personal belongings inside the car during an accident or theft. However, it probably won’t cover damage to other vehicles or property or injuries sustained by yourself or other people involved in the accident. 

Do I need this coverage if I’m only going to be driving in Canada or Mexico?

No, if you’re only going to be driving in either Canada or Mexico, then you likely won’t need additional insurance coverage, since most U.S.-based auto insurance policies already provide some level of coverage for these countries. 

Get Auto Insurance Today

It’s important to ensure you have the right auto insurance coverage before leaving Lansing, MI. Contact Great Lakes State Agency before you leave, and we can help you get the right coverage to enjoy your trip fully.

Great Lakes State Agency is here for the residents of Lansing, MI and the surrounding area. If you are looking for safe driving trips, you have come to the right place! In fact, we are here to meet all of your safety and insurance needs. Give our office a call today and learn how we can help you protect your vehicle.  

If you want to stay safe while driving, we have a few tips!

• Drive the speed limit.
• Adjust your speed during inclement weather.
• Keep an emergency kit in your trunk.
• Have a current roadside assistance plan.
• Keep your vehicle well-maintained.
• Do not drive distracted!

When you follow these tips, you are sure to enjoy safe driving! And, the best part of maintaining a safe driving record is the potential discounts that many insurance carriers award their safest drivers. Practicing safe driving may feel like it costs you some time, but in the long run, practicing safe driving habits could save you time and money.

Paying attention to the road and putting down devices when behind the wheel is a necessary part of being a responsible driver. Maintaining a good distance between your car and the one ahead of you is another tip that many people overlook. Safe driving not only helps you get where you want to go safely, but it also helps to keep the road safe for others. Find out more about safe driving today.

Stop by today!

Drivers in the greater Lansing, MI area can rely on Great Lakes State Agency for all of their insurance needs. We can help you protect your vehicle and yourself and direct you to any available discounts for safe drivers. Call our office, or stop by today!