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Soto Insurance Agency

19317 N 10th St Suite B
Covington, LA 70433

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Staying Protected During Rental Car Use

At Soto Insurance Agency in Covington, LA, ensuring you are covered during every journey is our priority. When it comes to rental cars, being protected is key.

Here are some essential tips to consider:

  1. Review Your Existing Coverage: Check your current auto insurance policy. It might provide coverage for rental cars. Understanding your existing coverage helps you make informed decisions when renting a vehicle.

  2. Consider Rental Insurance Options: Insurance options frequently provide Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) coverage. Assess these choices carefully, taking note of potential overlaps with your current policy.

  3. Consider Credit Card Coverage: Some credit cards offer secondary insurance for rental cars if you pay with the card. However, the coverage might have limitations, so verify the terms beforehand.

  4. Understanding Liability Coverage: Liability coverage is crucial. Ensure your rental policy includes adequate liability coverage to protect against damages caused to others in case of an accident.

  5. Document Existing Damage: Before driving off, inspect the rental car thoroughly for any pre-existing damage. Document it through photos or notes and inform the rental company to avoid being held liable for previous issues.

  6. Avoid Unnecessary Extras: Be cautious of unnecessary add-ons or upgrades offered by the rental company. Carefully assess if these extras are worth the additional cost based on your existing coverage.

  7. Drive Responsibly: Safety is paramount. Adhering to traffic laws and driving responsibly not only protects you but also minimizes the risk of accidents and potential liabilities.

Schedule A Consultation Today

Ensure peace of mind during your rental car adventures in Covington, LA and nearby regions by considering these tips. At Soto Insurance Agency, we’re here to support you with comprehensive coverage tailored to your needs. Reach out to us today!

Four things to do when you buy auto insurance

If you’re in the market for auto insurance in Covington, LA, we can help you at Soto Insurance Agency. Our auto insurance offerings can ensure that you’re financially protected as a motorist.

It’s important that you do your research and take care of a few essential tasks when you buy insurance.

The following are four things to do when you buy auto insurance:

Understand auto insurance coverage options

Consumers need to make sure they know about the different types of coverage that an auto insurance policy can include. This way, they can decide which types of coverage to purchase and know exactly what they’re getting from their auto insurance policy. 

Research auto insurance providers in the area

Finding the right auto insurance provider is important. Consumers should evaluate the reputation and customer service of different insurance providers so that they can buy auto insurance. They can then choose an auto insurance provider that will be reliable and pleasant to work with. 

Think about different deductible options

Choosing a deductible amount is one of the biggest decisions a consumer needs to make when buying auto insurance. Consumers should be certain that they always have enough emergency funds on hand to cover their deductible if they get into an accident. 

Plan out a monthly budget that includes auto insurance costs

Vehicle owners need to be sure to make their auto insurance payments every month. Missing a payment could result in a lapsed auto insurance policy. 

Consumers should set out a budget that includes their auto insurance payment so that they know they’ll be able to afford upcoming insurance costs. 

Reach Out To Us

Get insured with our help at Soto Insurance Agency. Motorists in Covington, LA can get in touch with us to get a quote on an auto insurance policy. 

FAQs About Auto Insurance

If you are new to car insurance, you may have a lot of questions. Even if you have had car insurance for years, you may have questions about what type of coverage you need or have. At Soto Insurance Agency in Covington, LA we provide the information you need to make an educated decision about the right auto insurance for your needs. 

Do I need to have auto insurance?

In the state of Louisiana, the basic insurance that you are required to carry is 15/30/25. This means you must protect other people from an accident you cause.$15,000 for injuries to one person, with a total of $30,000 for all the injuries from that accident. $25,000 is allowed for personal property. 

Can I let my friend drive my car?

If your friend has a valid driver’s license, they will be covered by your auto insurance at the same level that you are protected. Auto insurance covers the vehicle, no matter who is driving. If, however, they are involved in an accident, the record will be reported to your insurance, and it could affect your insurance rate. 

Am I covered if I rent a vehicle?

Maybe, it really depends on what type of auto insurance policy you have. A basic auto insurance policy is strict liability, and that will not cover a rental vehicle. If you have collision and comprehensive coverage, this also extends to the rental vehicle at the same rate as it covers your personal vehicle. 

Do I need to have my insurance card in my vehicle?

Yes, you need to carry your auto insurance card in your vehicle at all times. If you are pulled over, you will need to provide proof that you have auto insurance coverage. 

Reach Out To Us

Contact Soto Insurance Agency in Covington, LA when you are ready to discuss your auto insurance needs.

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