Annie H.
Egalatarian
Current on Saverocity Blog by Matt there's an post -"
Will the Chase Sapphire Preferred really cover your car rental?"
https://saverocity.com/travel/will-the-chase-sapphire-preferred-really-cover-your-car-rental/
I don't have a CSP but I'm trying to figure out what to do for an upcoming rental in Hawaii. We're kind of always cheaped out before and relied on our own auto insurance as primary and the best CC we have for secondary, do lots of searchs and usually use Enterprise or the cheapest I can get via USAA, AAA or AARP. We've had bad experience w/Hertz. Now, we're getting older and just want piece of mind. Not sure yet what agency we'll use but here are the facts:
1. Our USAA policy transfers directly to our auto rental and will cover everything EXCEPT deductible and "loss of use" --that's where they can really ding you if the car is totalled or they claim it took 3 weeks to repair, etc. plus paperwork costs and of course an accident claim would affect our insurance rates
2)If we use USAA CC for rental it will cover loss of use, deductible and towing--
3)Only CC I have that has is primary coverage is UA Mileage Plus but it's a business card and I haven't called or read T&C to see if it covers a business trip-- anyone know? AFAIK In Bold only covers business.
4) Am I correct that the purchased American Express protection covers EVERYTHING - CDW, etc. except liability?-- only $17.95 in CA.
I never worried about this stuff when I was younger and couldn't afford more, I just declined everything on the rental car contract and depended on personal policy which I've never used.
What's the best combination?
Will the Chase Sapphire Preferred really cover your car rental?"
https://saverocity.com/travel/will-the-chase-sapphire-preferred-really-cover-your-car-rental/
I don't have a CSP but I'm trying to figure out what to do for an upcoming rental in Hawaii. We're kind of always cheaped out before and relied on our own auto insurance as primary and the best CC we have for secondary, do lots of searchs and usually use Enterprise or the cheapest I can get via USAA, AAA or AARP. We've had bad experience w/Hertz. Now, we're getting older and just want piece of mind. Not sure yet what agency we'll use but here are the facts:
1. Our USAA policy transfers directly to our auto rental and will cover everything EXCEPT deductible and "loss of use" --that's where they can really ding you if the car is totalled or they claim it took 3 weeks to repair, etc. plus paperwork costs and of course an accident claim would affect our insurance rates
2)If we use USAA CC for rental it will cover loss of use, deductible and towing--
3)Only CC I have that has is primary coverage is UA Mileage Plus but it's a business card and I haven't called or read T&C to see if it covers a business trip-- anyone know? AFAIK In Bold only covers business.
4) Am I correct that the purchased American Express protection covers EVERYTHING - CDW, etc. except liability?-- only $17.95 in CA.
I never worried about this stuff when I was younger and couldn't afford more, I just declined everything on the rental car contract and depended on personal policy which I've never used.
What's the best combination?