car rental miami airport

life in a rural area and do not own a car sounds impossible - to live in an urban area and do not own a car sounds reasonable. You know what we mean, if you ever tried to park in a busy neighborhood or in your car broken down. urban car ownership can be a great effort and cost. But what about those cases where you want to buy in bulk, such as the annual trip to Costco, or if you want out of the city, where no bus or train take you? The answer is: rent a car and / or a stock car.

Each of these has its merits and actually saves you a lot of money in comparison to own, maintenance, insurance and parking your own vehicle.

Consider Manhattan, where, according to Wikipedia, 75% of people do not own a car. If you are one of the people, here are some tips and ways to check if you have itching or the need for the wheel.

Car Rental

Rent a car, seems like a fairly straightforward event: You probably have a rental based things like the best prices, availability and convenience of their location. Actually there are a few other decisions to make and we are not the choice of an economy, compact, mid-size or luxury car. Another important decision you have to deal with the insurance companies that offer that you accept or reject.

Note that before you rent a car, it is a good idea to protect your credit card company to see if they all levels of insurance coverage for rental car if you rent with the card. Some credit card companies will cover collision, if you use the card.

Another option is your own car insurance. If you do not have a car, then of course you do not have car insurance, but if you do this, check to see what kind of coverage your insurance company about the rents.

If you currently do not rent a car, but with the frequencies, you have another option that is worth the purchase of a non-owner auto liability insurance from an insurance company. This policy costs about $ 300 per year and typically provide coverage for damage you may cause to some other car and the liability for violations of the occupants, pedestrians, or in the case of an accident. A non-owner auto liability will also pay for medical care for you and your passengers, and uninsured and under-insured coverage.

But what they do not offer collision coverage is that you need, when you damage the car. If you have to buy this kind of politics make sure you understand what it covers. If you need more coverage, find out about adding an umbrella organization for the non-owner auto liability policy.

If you only occasionally rent a car, then it may make more sense to buy the daily reporting to the offered rental car counter, which is your choice. Here are the types of reporting it:

Collision Damage Waiver - This coverage generally costs between $ 10 and $ 20 per day, and relieves you of financial responsibility in the event that the rental car is stolen or damaged.

Liability Insurance - Coverage usually costs between $ 10 and $ 15 per day and on the liability of up to $ 1 million for the time you rent a car.

Accident Insurance - coverage generally costs between $ 1 and $ 5 per day and covers you and your passengers for medical / ambulance bills. If you have an adequate health insurance may not be necessary to provide additional coverage of the landlord.

Personal Effects Coverage - This coverage generally costs between $ 1 and $ 4 per day, and protects you against theft of personal belongings in your car. You are not required if you homeowners or rental insurance.

Car Share Programs

These programs, with its colorful fleet diving in most major metropolitan areas. Why pay for a car parked, which the whole week if you only occasionally? The membership fees for most car share programs cover the cost of car insurance, gas and maintenance. After that the members can be an hourly fee and pay a small fee for mileage. The advantage of these programs is that a driver is not the responsibility of ownership of a car and not worry about parking, insurance, repair or maintenance work, of which the latter is particularly annoying if you ever have a older car.

There are also environmental benefits to these programs, mainly because a car-sharing reduces the amount of vehicles on the road. In traffic-jammed cities like San Francisco, the cars from the roads to reduce congestion and greenhouse gases which only makes sense.

In areas where people are accustomed to driving everywhere, but taking into account the shift to a car-sharing program, it is a good idea to first check how many miles you are in a month, how often, and to see what trips were necessary and which one not. For those who are very dependent on her car, these programs may not be suitable. For those already using public transport or by car a minimum, these programs are suitable. For those who are not a car, car share programs give you the wheels when you want and need them!

For further information, please read the full report on http://www.AutoInsGuru.com understanding car insurance.