Make Sure To Do This One Thing Before Your Next Car Rental

One of the most important things to do when renting a car from any company is to register for their frequent renter program. I’ve provided links to each program and what they offer to members in this post. Most importantly, by signing up for programs, you’ll get to give your preferences for questions about insurance coverages and refueling options. You’ll also get to provide your information if you want to earn miles or points in a different program instead of the rental car’s own loyalty program.

By forgetting to update this information in my profile the last time I rented from Dollar, I ended up with 56 points in the Dollar Express program. That’s a mistake I didn’t plan on making again. Continue reading “Make Sure To Do This One Thing Before Your Next Car Rental”

Credit Card Review: United Explorer Card (MileagePlus)

Airline co-brand credit cards provide cardholders with benefits very similar to ones earned by the most frequent flyers with status. This is one reason why I never feel a need to go for any type of status with airlines.  I’ve noticed there’s one airline credit card, in particular, while providing perks to cardholders, also puts restrictions on using them that make it seem to be an imposition to utilize them instead of being a courtesy provided for carrying the card in your wallet.  Continue reading “Credit Card Review: United Explorer Card (MileagePlus)”

The Cards I Am Now Using For Travel Expenses

I have a quandary. I’m no longer sure what card to use for my travel expenses. It used to be pretty clear cut. There was the card I used when I wanted to get travel protection. I had a card that earned the most points for expenses that other cards didn’t cover. I even had a card to use for my tolls and UBER expenses.

Well, things change. Some cards devalue while others become more valuable. So where do I sit right now when it comes to travel charges?

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Why I’m Considering Ditching All Of Our Premium Credit Cards

What do you think of when you hear the phrase premium credit card. Exclusivity? Luxury? Benefits? Perks? For a while, these cards offered all of these.

The grand daddy of the premium card is the American Express Centurion card. A card that’s so exclusive AMEX has to invite you and no one knows the requirements to get said invitation. What we do know is that the card has a $7,500 initiation fee and a $2,500 annual fee. Since I occasionally run a cash register for my day job, I’ve held a few of these cards over the years. It’s wasn’t nearly as exciting as I hoped.

Personally, I’m not at that level. However, I was able to get a base level of premium card from all the major banks. American Express Platinum, Chase Sapphire Reserve and Citi Prestige. So why have I reached the point where I’m considering not holding any of these cards?

Here’s the reason:

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Should You Pay For The Loss Damage Waiver (LDW) When Renting A Car?

It’s easy to forget that when you rent a car, you’re “borrowing” a vehicle that costs tens of thousands of dollars from a major corporation. When renting it, you expect the car to be in great condition with no dents, dings or scrapes on it. So what happens when the car is damaged during your rental? Even if it wasn’t your fault, the rental car company is, of course, going to expect you to pay for the repairs. Rental car companies know the fear of getting a large bill for repairs makes you an easy target to purchase the “insurance” they’ll sell you for just a few dollars a day.

We’ve already written about the excessive charges for gas and the markup on tolls that car rental companies charge. Why would we believe that all of a sudden car rental companies will sell you insurance at a reasonable price? It’s not that the coverages they sell aren’t necessary, because they are. It’s moreso you may already have coverage that makes buying their insurance unnecessary. Knowing what coverage you already have allows you make an informed decision ahead of time. I’ll also share a trick that lets you avoid the hard sell at the counter. But first, what is the car rental company trying to get you to buy?

Most of the information listed below only applies to cars rented in the United States. Rentals in other countries have different rules and restrictions. Please note I’m neither an insurance agent nor an expert so I suggest reading the policies including, but not limited to the parts about policy limits, deductibles and exclusions.

Continue reading “Should You Pay For The Loss Damage Waiver (LDW) When Renting A Car?”