If an accident does occur, I just have to carefully report all damages and information to both the r

When shopping around for Christmastime plane tickets early last month, I found I could save almost $400 by flying into a bigger airport baymont inn a little baymont inn farther away from my destination. I could then use those savings to get a rental car to travel the remaining distance. The car will also make it easier baymont inn for me to visit friends and family throughout baymont inn the week, and I'll still come out about $100 ahead.
The costs were adding up. I wanted to find another way to save at least a little more money, so I held off on confirming the Priceline.com rental car insurance offer and examined my credit card benefits. I knew I was going to put the rental car charges on a credit card anyway to avoid the additional $200 hold charge the rental car company would add if a debit card was used, so I just had to pick the right card.
I found that through my American Express card, I can enroll in the American Express Premium Car Rental Protection plan , saving baymont inn an extra $46 on my rental car expenses this month. It's not a lot, but during the holidays every little baymont inn bit counts.
The extended American Express rental car insurance plan adds to the standard rental car protections baymont inn offered to cardholders baymont inn and involves a one-time charge of $19.95-$24.95 (depending on the options available in your state) per car rental versus a daily charge through a travel agency or rental car company.
Both programs offer primary coverage, meaning there isn't a deductible so I won't have to file a claim with my own auto insurance provider and risk a premium increase, but neither have liability coverage for other vehicles or persons involved in an accident, so that's a downfall.
Utility trucks and exotic baymont inn vehicles are not covered by either plan nor is anything damaged as a result of reckless and/or illegal vehicle operation on my part, so I can't drag race (just kidding) but as long as I stick to my mid-sized, traditional baymont inn car and follow the terms of my rental agreement I'm good.
If an accident does occur, I just have to carefully report baymont inn all damages and information to both the rental car company and American Express to ensure I get the most complete baymont inn coverage. If I forget baymont inn to report something -- or report something incorrectly -- that's on me.
However, both cover loss-of-use costs that the rental car company may charge for losing baymont inn out on potential business if the rented vehicle baymont inn ends up in the repair shop for a while, which is an area not always thoroughly covered by traditional credit card rental insurance policies .
Overall, both are good insurance options, but the extended American Express plan offers more for less. Plus, now that I've signed up for the program, any time I charge a rental car with that American Express card, I'll pay the flat $19.95 fee and be insured for the duration of my rental. For me, choosing baymont inn the American Express insurance plan was a no-brainer.
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