topic Re: Car Rental Question with CC? in Credit Cards

Car Rental Question with CC?

Derrick1977 — Tue, 22 Dec 2015 15:12:16 GMT

Hi All-

I am renting a SUV today, for one day and I am using one of the cards below. I have never used anyone of them besides my QS. I won't to avoid getting

their (Enterprise or Alamo's) insurance. Which card do you recommend I use. I also have State Farm full coverage as my primary insurance. Any advice is greatly appreciated.

Re: Car Rental Question with CC?

Involver — Tue, 22 Dec 2015 15:23:39 GMT

I'm not sure any of your cards provide primary rental coverage. I think as long as you use a VISA or Mastercard you should have secondary coverage, but that may only pay in addition to your regular policy.

Re: Car Rental Question with CC?

creditguy — Tue, 22 Dec 2015 15:30:35 GMT

You have an Amex PRG correct? That would be the card i would use, Amex has great coverage iMO.

Re: Car Rental Question with CC?

Derrick1977 — Tue, 22 Dec 2015 15:31:45 GMT

@Involver wrote:
I'm not sure any of your cards provide primary rental coverage. I think as long as you use a VISA or Mastercard you should have secondary coverage, but that may only pay in addition to your regular policy.

Hi Involver-

Thanks for replying. I apologize. I am going to use StateFarm as my primary and wanted to know which card offers the best coverage as secondary and better for rewards wise. Sorry, I wasn't clear.

Re: Car Rental Question with CC?

Derrick1977 — Tue, 22 Dec 2015 15:33:23 GMT

@creditguy wrote:
You have an Amex PRG correct? That would be the card i would use, Amex has great coverage iMO.

Yes, I haven't used that one yet. If I use that card, it will be the first lol.

Re: Car Rental Question with CC?

creditguy — Tue, 22 Dec 2015 15:34:50 GMT

Well there's always a first time for everything. The PRG probably will be best for rewards as well.

Re: Car Rental Question with CC?

Involver — Tue, 22 Dec 2015 15:37:52 GMT

@Derrick1977 wrote:
@Involver wrote:
I'm not sure any of your cards provide primary rental coverage. I think as long as you use a VISA or Mastercard you should have secondary coverage, but that may only pay in addition to your regular policy.
Hi Involver-

Thanks for replying. I apologize. I am going to use StateFarm as my primary and wanted to know which card offers the best coverage as secondary and better for rewards wise. Sorry, I wasn't clear.

All good. As others have said, the PRG will be the best card for the rental.

Re: Car Rental Question with CC?

Derrick1977 — Tue, 22 Dec 2015 15:41:25 GMT

@creditguy wrote:
Well there's always a first time for everything. The PRG probably will be best for rewards as well.

I was looking at using the PRG but the only thing that turns me away from them is that it states that it does not cover SUV's or vehicles that cost more than $50K.

I am needing a SUV and I am not sure any of my cards will cover that as a secondary.

This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, trucks, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions.

Re: Car Rental Question with CC?

creditguy — Tue, 22 Dec 2015 15:51:56 GMT

Well that could be an obvious issue, so that would limit you to quicksilver which you know the rewards. Not sure about using cap one for secondary coverage though. I would say if you have no worries about State Farm as your primary and only coverage then by all means use the PRG for rewards. If not then use cap one.

Re: Car Rental Question with CC?

Derrick1977 — Tue, 22 Dec 2015 15:59:46 GMT

@creditguy wrote:
Well that could be an obvious issue, so that would limit you to quicksilver which you know the rewards. Not sure about using cap one for secondary coverage though. I would say if you have no worries about State Farm as your primary and only coverage then by all means use the PRG for rewards. If not then use cap one.

Thats what I am thinking. I hate I need a SUV this time.

Re: Car Rental Question with CC?

creditguy — Tue, 22 Dec 2015 16:02:42 GMT

In the future though for any car rentals use the PRG, simply put its an awesome card. Good luck and safe travels.

Re: Car Rental Question with CC?

Derrick1977 — Tue, 22 Dec 2015 16:04:14 GMT

@creditguy wrote:
In the future though for any car rentals use the PRG, simply put its an awesome card. Good luck and safe travels.

Definitely will. I might still use it today lol. Thanks man, I am going to pick up the family.

Re: Car Rental Question with CC?

Derrick1977 — Tue, 22 Dec 2015 21:27:54 GMT

@creditguy wrote:
In the future though for any car rentals use the PRG, simply put its an awesome card. Good luck and safe travels.

Interesting, I just spoke with a representative from AMEX and they said they yes I can use my PRG for secondary coverage on an SUV.

I don't know whether to use it or not, esp. with the fine print that says they don't cover it lol.

Re: Car Rental Question with CC?

creditguy — Wed, 23 Dec 2015 05:32:10 GMT

When in doubt go by what the fine print says. Take what a CSR says with a grain of salt, they aren't always the most informed folks. You don't want to file a claim based on what a CSR says, your the one responsible, not them, so they can say whatever but that doesn't help you.

Re: Car Rental Question with CC?

Anonymous — Wed, 23 Dec 2015 06:20:56 GMT

What's your insurance policy coverage for State Farm? Also, do you have home owner insurance? What kind of SUV are you renting? Most time your State Farm insurance should cover any damages that does occur. Of course if you only have insurance policy that's 15/30/15 and your renting a 70k SUV and total it and it's your fault in accident. If that does happen you have a lot more other things to worry. Don't think too much and enjoy the rental with family.

Re: Car Rental Question with CC?

Anonymous — Wed, 23 Dec 2015 13:41:00 GMT

I think that the State Farm bit is the most important. I think Freedom has decent secondary coverage, although I don't know if it extends to SUVs.

Re: Car Rental Question with CC?

takeshi74 — Wed, 23 Dec 2015 13:58:55 GMT

@Derrick1977 wrote:
I am renting a SUV today, for one day and I am using one of the cards below. I have never used anyone of them besides my QS. I won't to avoid getting
their (Enterprise or Alamo's) insurance. Which card do you recommend I use. I also have State Farm full coverage as my primary insurance. Any advice is greatly appreciated.

What are the concerns behind your question? Is it just a matter of the coverage provided by your cards? If so, it's up to you to understand your cards, read the terms of the coverages and select the option that best suits you. Don't expect others to do this for you. If you have specific questions we can certainly help but you should be doing this. I can't even see the images in your signature because the proxy here at work blocks the host your're using.

@Derrick1977 wrote:
I was looking at using the PRG but the only thing that turns me away from them is that it states that it does not cover SUV's or vehicles that cost more than $50K.
I am needing a SUV and I am not sure any of my cards will cover that as a secondary.

This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, trucks, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions.

That's why I use AmEx premium coverage. I generally don't rent SUV's but there are vehicles that I rent that are not covered by many cards that offer coverage. This is one example of why you need to read the terms to select the option that suits you best.

@Derrick1977 wrote:
I am going to use StateFarm as my primary

Your call to make but why? You can certainly use them for liability as your cards don't offer liability. However, there's no need to risk rate hikes for the other coverages.

Re: Car Rental Question with CC?

Derrick1977 — Thu, 24 Dec 2015 02:10:49 GMT

@takeshi74 wrote:
@Derrick1977 wrote:
I am renting a SUV today, for one day and I am using one of the cards below. I have never used anyone of them besides my QS. I won't to avoid getting
their (Enterprise or Alamo's) insurance. Which card do you recommend I use. I also have State Farm full coverage as my primary insurance. Any advice is greatly appreciated.
What are the concerns behind your question? Is it just a matter of the coverage provided by your cards? If so, it's up to you to understand your cards, read the terms of the coverages and select the option that best suits you. Don't expect others to do this for you. If you have specific questions we can certainly help but you should be doing this. I can't even see the images in your signature because the proxy here at work blocks the host your're using.

@Derrick1977 wrote:
I was looking at using the PRG but the only thing that turns me away from them is that it states that it does not cover SUV's or vehicles that cost more than $50K.
I am needing a SUV and I am not sure any of my cards will cover that as a secondary.

This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, trucks, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions.
That's why I use AmEx premium coverage. I generally don't rent SUV's but there are vehicles that I rent that are not covered by many cards that offer coverage. This is one example of why you need to read the terms to select the option that suits you best.

@Derrick1977 wrote:
I am going to use StateFarm as my primary
Your call to make but why? You can certainly use them for liability as your cards don't offer liability. However, there's no need to risk rate hikes for the other coverages.

Hi Takeishi74-

Thanks for the reply. Yes, I read the terms thouroughly and spoke to two different AMEX representatives. Once said they covered it and the other said they didn't.

Nevertheless, I used my insurance as my primary and use my AMEX as a secondary. An AMEX manager told me it would be fine and even said she would add the notes that she gave that information to me. She said that they get that question all the time because it is extremely confusing and some of their reps even get it confused at times lol. It worked out perfect and now I am finish with the rental and not only that, I paid $59 and some change for one day. Nevertheless, I read the terms but some of the wordings, as I explained to her, I needed a little more clarification on.

Re: Car Rental Question with CC?

Derrick1977 — Thu, 24 Dec 2015 02:13:31 GMT

@Anonymous wrote:
What's your insurance policy coverage for State Farm? Also, do you have home owner insurance? What kind of SUV are you renting? Most time your State Farm insurance should cover any damages that does occur. Of course if you only have insurance policy that's 15/30/15 and your renting a 70k SUV and total it and it's your fault in accident. If that does happen you have a lot more other things to worry. Don't think too much and enjoy the rental with family.

Thanks Rott. Thats exactly what I did and State Farm told me that I'm covered lol. Yes, I have howeowners and full coverage. Yes, the truck was right at $70k lol.

Thank God, I'm finished with it and everything went well.