Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Search this Thread Rate Thread Display Modes
Old 07-07-2017, 13:52   #1
Registered User

Join Date: Jan 2009
Location: St. Louis, MO
Boat: Amel Super Maramu 53'
Posts: 228
Rental Car for trip home - what to do?

We're liveaboards, and we're trying to arrange a trip home. The rental car insurance is crazy expensive, is there any way of cutting that cost?

What I've looked into:

1. Credit card companies only provide insurance if your trip is less than 15 days, ours will be 37 days so it won't apply.

2. Insurance companies (State Farm) will only provide collision, no liability thru a policy called "Non-Owners Insurance". Our past agent recommended we buy from the rental car company.

3. The Rental Car Company has the insurance at $1,100 for the 37 days which covers everything, but WOW!

4. I looked for specialty insurance companies but no dice for FL residents.

Any thoughts?
Duane
__________________

carlylelk is offline   Reply With Quote
Old 07-07-2017, 14:00   #2
Moderator Emeritus
 
sailorchic34's Avatar

Cruisers Forum Supporter

Join Date: Feb 2011
Location: SF Bay Area
Boat: Islander 34
Posts: 5,487
Re: Rental Car for trip home - what to do?

I might rent a car from enterprise for 15 days and then rent another for 15 days on the 15th day and then one for 7 days. Enterprise gives unlimited mileage and you can drop it off elsewhere. That way you avoid the over 15 day limit.
__________________

sailorchic34 is offline   Reply With Quote
Old 07-07-2017, 14:02   #3
֍֎֍֎֍֎֍֎֍֎

Join Date: Apr 2006
Posts: 15,129
Re: Rental Car for trip home - what to do?

Some US insurers will provide "liability only" and even allow you to keep that policy if you have no car. So it may pay to bother your past agent, see if you can get a liability only policy, and perhaps buy a junker or buy (and prearrange to sell it back in 48 hours, unused) some other car, just to get yourself a liability policy.

Presuming you want liability coverage for when you are back in the US.

$1100 would buy a lot of Uber and Lyft rides.
hellosailor is offline   Reply With Quote
Old 07-07-2017, 14:32   #4
Registered User
 
maxingout's Avatar

Join Date: Dec 2006
Location: Cruising
Boat: Privilege 39 Catamaran, Exit Only
Posts: 2,723
Re: Rental Car for trip home - what to do?

I would consider doing it with multiple different car rental agencies to stay within the time limits. Drive to your destination and chill out for a few days, use taxis or uber and then do a different rental company.

It's worth having more than one credit card to use on the different rentals.
__________________
Dave -Sailing Vessel Exit Only
https://maxingout.com
https://PositiveThinkingSailor.com
maxingout is offline   Reply With Quote
Old 07-07-2017, 14:36   #5
Registered User

Join Date: Jan 2009
Location: St. Louis, MO
Boat: Amel Super Maramu 53'
Posts: 228
Re: Rental Car for trip home - what to do?

I checked the credit card companies insurance and they only provide insurance for damage to the rental car. There's no property damage insurance, liability insurance, etc. So I don't see how one can rely on the credit card insurance for coverage.
carlylelk is offline   Reply With Quote
Old 07-07-2017, 16:32   #6
Registered User
 
Three Sisters's Avatar

Join Date: Feb 2016
Location: USA
Posts: 487
Re: Rental Car for trip home - what to do?

The first place I'd go is the insurance broker that underwrites the boat policy. Have a safe trip.
Three Sisters is offline   Reply With Quote
Old 07-07-2017, 20:17   #7
Moderator
 
JPA Cate's Avatar

Join Date: Nov 2011
Location: aboard, cruising in Australia
Boat: Sayer 46' Solent rig sloop
Posts: 18,477
Re: Rental Car for trip home - what to do?

I don't know if this would work for you, but could you use trains for part of the travel? We used Amtrak for the Olympia to Portland leg of one of our Stateside trips, and it was quite pleasant, and way cheaper and faster (when you include all the waiting time at airports) than flying.

It all depends on where and how far you're going. But the SailorChic34 and maxingout methods could work fine, possibly modified by destinations.

Ann
__________________
Who scorns the calm has forgotten the storm.
JPA Cate is offline   Reply With Quote
Old 07-07-2017, 21:58   #8
Registered User

Join Date: Apr 2013
Posts: 7,534
Re: Rental Car for trip home - what to do?

Quote:
Originally Posted by carlylelk View Post
I checked the credit card companies insurance and they only provide insurance for damage to the rental car. There's no property damage insurance, liability insurance, etc. So I don't see how one can rely on the credit card insurance for coverage.
Yeah, by itself, the credit card leaves you with very limited coverage. They are basically set up around the typical guy who already has full coverage on their personal car which includes rental car coverage and they just need to close the gaps.

Basically, there isn't a cheap way to do it. We have a truck that we leave on storage when we are away but we can call and turn it on if we will be renting for more than a few days.

Also, for those suggesting doing multiple rentals, make sure to check on the one way drop off charges. Those can often be pretty steep and you would need at least 2 drop offs. That could quickly kill the savings.

Sorry but you are outside the industry standard and there isn't a good solution. If you don't need to take a lot of stuff, air travel is probably your best bet.
valhalla360 is offline   Reply With Quote
Old 08-07-2017, 08:12   #9
Registered User

Join Date: Feb 2015
Posts: 108
Re: Rental Car for trip home - what to do?

Try Rentalcargroup . They are brokers for car hire and they always get me a good deal on insurance and CDW.
stewie is offline   Reply With Quote
Old 08-07-2017, 08:19   #10
Registered User
 
Cheechako's Avatar

Join Date: Aug 2006
Location: Skagit City, WA
Posts: 22,352
Re: Rental Car for trip home - what to do?

I would think your car insurer could fix you up with what you need. Or try a different one! Ask if a personal Umbrella policy will cover what's not covered.
__________________
"I spent most of my money on Booze, Broads and Boats. The rest I wasted" - Elmore Leonard











Cheechako is online now   Reply With Quote
Old 08-07-2017, 10:08   #11
Registered User
 
Cadence's Avatar

Join Date: Dec 2008
Location: SC
Boat: None,build the one shown of glass, had many from 6' to 48'.
Posts: 8,626
Re: Rental Car for trip home - what to do?

Quote:
Originally Posted by carlylelk View Post
We're liveaboards, and we're trying to arrange a trip home. The rental car insurance is crazy expensive, is there any way of cutting that cost?

What I've looked into:

1. Credit card companies only provide insurance if your trip is less than 15 days, ours will be 37 days so it won't apply.

2. Insurance companies (State Farm) will only provide collision, no liability thru a policy called "Non-Owners Insurance". Our past agent recommended we buy from the rental car company.

3. The Rental Car Company has the insurance at $1,100 for the 37 days which covers everything, but WOW!

4. I looked for specialty insurance companies but no dice for FL residents.

Any thoughts?
Duane
If you have time buy a clunker title and insure it. The insurance normally covers rentals for your insured amounts, sell or give away the clunker.
Cadence is offline   Reply With Quote
Old 08-07-2017, 10:15   #12
TFM
Registered User

Join Date: May 2016
Location: Southwest Floria
Boat: Beneteau Oceanus 331
Posts: 16
Cool Re: Rental Car for trip home - what to do?

I had to leave the boat in North Carolinia on the way north up the intracoastal waterway because of a too-tall tall mast. I checked the bulletin board at the marina and found an ad soliciting for someone to drive a vehicle to Connecticut. Since my wife and I live in NH I asked if it would be to OK drive home with it first then the two of us would take it and our pickup back to the owners' home the next day. My insurance covered me driving their car, the loaners put a little extra wear and tear on theirs and all it cost us out of pocket was the fuel. They are also boaters who trusted us completely and we had never met before, which says a lot for the sailing community.
TFM is offline   Reply With Quote
Old 08-07-2017, 10:56   #13
Registered User

Join Date: Jan 2008
Location: Salish Sea in summer/Puerto Vallarta in the winter - no boat just sun and beaches!
Boat: Ganley 30 Junk
Posts: 105
Re: Rental Car for trip home - what to do?

In 2012, we needed to drive to/from Florida from Virginia, and then drive across the country to Washington St. We bought an older SUV, insured it, did the two drives, and then sold the car for what we paid for it in WA. So the only cost was the one-year insurance policy, way cheaper than renting and paying rental car insurance rates. This was not a clunker strategy as someone else suggested - we laid out enough to get a decent vehicle and we than had no trouble selling it on the other side of the country.
PaulSommers is offline   Reply With Quote
Old 08-07-2017, 11:22   #14
Registered User

Join Date: Sep 2008
Location: Surrey, B.C. Canada
Boat: Passage 24/30 Cutter
Posts: 683
Re: Rental Car for trip home - what to do?

Quote:
Originally Posted by Cadence View Post
If you have time buy a clunker title and insure it. The insurance normally covers rentals for your insured amounts, sell or give away the clunker.
Smart idea! That's exactly what I would do. It's money in the bank! Lots of older cars available with good life in them yet.
Sailorbob8599 is offline   Reply With Quote
Old 08-07-2017, 11:30   #15
Registered User

Join Date: Mar 2011
Location: fl- various marinas
Boat: morgan O/I 33' sloop
Posts: 1,363
Re: Rental Car for trip home - what to do?

Quote:
Originally Posted by Cadence View Post
If you have time buy a clunker title and insure it. The insurance normally covers rentals for your insured amounts, sell or give away the clunker.
Good advice but a 37 day trip is a short time to amortize the cost of buying and registering a junker including sales tax. When you add the cost of private insurance (you will pay for 2 months) it could easily add up to more than $30/day. It might work if collision is mostly covered by your credit card, you buy minimum legal liability coverage and you buy something you can resell for a limited loss and have a place to keep it. See if you could work something out with a used car dealer. It could work if you plan well but is savings worth the trouble? For example dealer sells you car for 1500, agrees to repurchase for 1300 and store. Minimum insurance 80/month and you rent on credit card. Sales tax 7%, registration 100. Total cost under 600 so you save 500. However, you do not have a car so that is a lot of running around to set everything up.
__________________

Dave22q is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Boat show, taxi or car rental? chris mac General Sailing Forum 20 05-10-2016 08:03
Rental Car For Cruiser DCRRenaissance Our Community 30 12-12-2015 21:28
Car rental agency's Sint Maarten? Joli Atlantic & the Caribbean 8 13-02-2008 06:35

Advertise Here


All times are GMT -7. The time now is 16:40.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2020, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.