If you are heading home for the holidays, the last thing you are probably thinking is, ‘am I insured for that?’ Wherever your travels take you, these holiday travel tips will keep you safe and saving.
Homeowners’ Away from Home: Travel Insurance can cover any number of things, from flight cancellations to lost or stolen luggage, but you may be surprised to learn you could already be covered. Homeowner and renter’s insurance do not necessarily stop at your doorstep, so call your agent to see if your belongings are covered away from home.
Keep Your Goods Good and Safe: Wherever you’re headed these holidays, your trunk’s likely loaded with gifts and pastime goods. Whether wrapped up or worn in, your golf clubs, gadgets and tablets are probably not protected by your auto insurance policy. If you tend to travel with high ticket items, ask your agent about adding a layer of protection.
Avoid Overpaying and Under-Protecting: You may cringe at rental car fees, but the big dig is temporary insurance, which can tack up to 50%* onto your tab. Here’s where you can save. Standard auto insurance often extends liability/collision protection to rentals, so you can cut costs and keep your coverage.
Partners, Promos and Perks: Last minute travel is a surefire way to overpay. Get free alerts from travel websites and jump on limited-time promotions like flyer deals, rental car pre-pay discounts, and how to score free upgrades. Book through partners like credit cards and travel sites to save on flights and hotels. Always search for promo codes, and utilize loyalty programs. They are easy to join and promise perks ranging from discounts to expedited processing.
World-wide Rental Car Coverage: While it’s true your car insurance may offer protection for car rentals state-to-state, it is unlikely that your coverage will extend country-to-country. Some insurance companies, however, offer wider protection to their preferred customers.
In summary, save the surprises and the spending for the holiday, and get the best travel deals you can before you go. In additional to these holiday travel tips, take advantage of companies that compare deals for you, such as Answer Financial which gives you an apples-to-apples look at the insurance choices, prices and coverages available to you.
Make sure you know which coverages you have and which you actually need, to make sure you’re protected without overspending. Apply these insurance tricks and start off the new year right. Compare free, personalized insurance quotes and find out how to create more freedom in your budget. You can purchase some plans directly online, or over the phone with a licensed agent by calling 1-888-258-5101.
*Figures derived from identical quotes from three top rental car companies. Quotes assumed a one week compact car rental at the Los Angeles International Airport locations for each company, with payment due upon arrival.