By Rafael Onak, InsuranceAgents.com Staff Writer
Have you ever wanted to impress a girl but didn’t think your beat-up car would do the trick? Or needed a big car for a big job such as moving? Or maybe you just wanted save an average monthly savings of more than $500 compared to car owners? Intended for every scenario, Zipcars allow drivers to have “wheels when you want them.” The concept is simple: you apply to get your very own Zipcard, reserve a Zipcar for a couple of hours or the entire day, unlock the car and drive away.
The beauty of a Zipcar is that you drive only when you need to without any hidden fees, saving on car payments in the process. Every Zipcar reservation includes gas, mileage and, most importantly, comprehensive Zipcar insurance. But should you solely rely on Zipcar insurance or purchase your own personal auto insurance policy?
There are many instances where you will not be covered under Zipcar insurance, such as being in any vehicle not supplied by Zipcar and driving a Zipcar as a non-member or simply put, when the coverage doesn't cover the damage, such as if an uninsured driver hits you and causes a pile up. It's best to ensure your safety by having your own coverage, you'd be suprised how cheap it can be, especially if you don't drive that frequently. Find out about multiple "supplemental" car insurance offerings, use our quick form to compare rates free, and get coverage as low as $35/month. That's less than the cost of enrollment in the Zipcar program.
In addition, you will not be covered if you use a Zipcar under the following conditions:
If you are expecting to do any of the above with a Zipcar, it’s in your best interest to obtain your own auto insurance policy. You can find an affordable and convenient policy by going online and comparing a wide array of policies from multiple auto insurance providers.
For members 21 years of age or older, Zipcar insurance consists of a combined single limit of $300,000 per accident. If the total amount of injuries and/or damages exceed that, you will be stuck responsible for the remaining amount. While the concept of Zipcar insurance sounds convenient, you might find yourself uninsured or underinsured more often than not. By going and comparing a number of auto insurance quotes, however, you can find yourself a policy that consists of a higher coverage limit and one that will keep you insured through thick and thin. The easiest way to compare quotes is using our quick online forms.
If you still have questions, get the expert advice of a local car insurance agent near you, use our easy 1 step agent locator and pick an agent.
Published: Wednesday 21st October 2009
