I always use RentalCars.com to rent my vehicles. They’re really cheap and you can book now and pay later, often without inputting your credit card data. When perusing their website, the cheapest economy car was listed at $11 per day (a grand total of $51 for 3 days including taxes and fees). Once I arrived at Fox Rent A Car, I was told that I was required by the state of Nevada to purchase the ‘state-minimum’ insurance on the vehicle – at an additional $13 per day. My total cost now nearly doubles from $51 to $90.
When renting a car in Nevada, they’re incredibly sneaky at up-selling insurance premiums. According to Auto Insurance Tips, a website which provides information on auto insurance, the required insurance for driving a car in Nevada is “$15,000 for bodily injury or death of one person in an accident, $30,000 for bodily injury or death of two or more people in any one accident, and $10,000 for injury to or destruction of others property.” As a visitor, you must have the same insurance minimum insurance coverage required of a Nevada resident.
If you have full-coverage insurance on your own vehicle, you probably have rental car coverage. I have Geico, and I just learned that they automatically offer the same coverage for rentals as they do for the insured vehicle. Check your policy and do your own research. If you meet the state coverage guidelines and have rental coverage, you can politely decline the supplemental insurance at the Nevada rental company. If you research state-minimums elsewhere, this tid-bit of info is relevant no matter where you are in the US.
My Experience and Lessons Learned from Renting a Car in Las Vegas I always use RentalCars.com to