Renting a car is such a common part of the travel experience that you'd think the process would be straightforward and transparent -- yet somehow it is anything but. Do I need to buy additional insurance? What about paying to refuel the car? I hear horror stories about phony damage claims; should I be worried? No one is around to inspect the car with me; is that okay? Can I drive into another country? Do I need all the extras they offer me at the rental counter? These questions come up pretty much every time we rent a car. Among all your options, there are some things you don't need to do, or even should not do, when renting a car. Below are 10 of them.
1. Prepaying for gasoline.
Prepaid gasoline charges appeal to our desire for simplicity while traveling, and also to concerns about being late for flights, as every few minutes added to the trip to the airport create more risk for arriving too late to board. As airport security has added considerable time to this process, rental companies have come up with new options for car refueling, and are giving them the hard sell at the rental desk.
2. Failing to check on your way out for a place to refuel on your way back.
The best time to find a place to refuel your vehicle is immediately after you pick it up. As you are driving away from the airport or rental agency, take note of the local gas stations, and make a plan to return to the most easily accessible or best-priced of them at the end of your rental. The neighborhoods around airports can be confusing and unfamiliar, so you don't want to be driving in circles looking for a gas station as your flight time approaches. Figure this out on your way out, when you are not pressed for time.
3. Purchasing insurance
Before accepting this one at face value, it should be emphasized that auto insurance policies can vary considerably, so you will want to check with your own insurer directly. If you have the minimum legally permissible coverage, it may not include coverage for rental cars -- whereas if you have what companies call "full coverage," it almost certainly does. Call or email your insurer to find out.
4. Purchasing insurance
Anything your own car insurance does not cover, it is likely that your credit card will. In some cases the credit card coverage is as good as or better than your auto insurance; in others it is intended to be secondary insurance to help cover anything your auto insurance does not.
Of course, you will need to pay for your car rental using that card; just having a qualifying credit card does not give you any protection.
5. Ignoring one possible caveat: "loss of use" insurance.
When a rental car is damaged, "loss of use" charges are applied to cover the potential revenue lost when the vehicle is off the road for repairs. This is typically charged in the amount of a day's rental for that vehicle, and most auto insurance companies do not cover this fee. Many credit cards do, however; American Express, MasterCard and Visa all offer "loss of use" coverage with rentals paid for with most of their cards.
6. Ignoring potential offers for upgrades.
In the past, I've recommended reserving a low-priced car and then inquiring about upgrades at the rental desk. This works best at busy times when the garage is running low on its cheapest vehicles, and may offer you free or very affordable upgrades to a larger car class due to inventory management issues.
7. Making too cursory an inspection upon departure.
Keep an eye out for problems both small and big; the tendency is to take a quick walk around the car looking for scratches and blemishes, thinking that big problems would have already been noticed, but this is not always the case. I once rented a car with a loose back bumper that the car rental company had not noticed previously. If I hadn't caught this before we left the garage and an inspector had seen it later, I would have been held completely responsible.
8. Leaving final inspection to chance.
Recently, the procedure of returning cars has come to resemble checking out of a hotel, where you leave your keycard on the night table and head out the lobby door with only a wave to the front desk. Car rental returns have taken on a similar feel; as often as not, you follow signs to the back of a row of recently returned cars, take out your stuff, leave the key in the car and walk away without speaking to anyone directly.