Are you covered? What to Know About Rental Car Insurance in North Dakota

If you have ever rented a car in North Dakota, you may have found yourself pondering the specific rental car insurance coverage required. At first glance, rental car insurance might appear to be uniform across different states. However, it is crucial to recognize that there are nuances across states that have an impact on rental car insurance coverage. Familiarizing yourself with these differences can prove invaluable in the event of an accident.

Exploring North Dakota in a Rental Car

There's always something to celebrate on North Dakota's events calendar. For example, the Bismarck-Mandan area has welcomed visitors since Lewis and Clark paddled up the Missouri River in 1804. Capital of North Dakota, Bismarck is a hub of culture, history, and leisurely shopping.

Getting around North Dakota in your auto rental is easy to understand. Interstate Highways I-29 and I-94 intersect at Fargo, with I-29 favoring a north/south orientation along the eastern side of ND. Interstate 94 travels east/west to connect with Minnesota (east), and Montana (west). Due to wide ranging climate fluctuations, North Dakota's Interstates favor hardwearing concrete carriageways in preference to blacktop road surfaces.

Interstate 94 in North Dakota, near Gladstone; Author: Bobjgalindo; CC BY-SA 4.0


Teddies, Sunflowers and Honey

A few interesting Facts about ND:

  • “I never would have been President if it had not been for my experiences in North Dakota” – so said Theodore (Teddy) Roosevelt
  • North Dakota produces the most sunflowers in the United States
  • ND also sits on top of the honey-making league in the US

If you love Agritourism, then almost 90% of North Dakota's land area is under farming or ranching. This makes getting around in a rental vehicle the best way to see it all.

Excellent Case for Rental Car Insurance North Dakota

In a previous post, we discussed rental car insurance in South Dakota

When you rent a car in North Dakota, the rental company will offer you additional rental car insurance. But what exactly is rental car insurance and do you really need it?

Rental car insurance provides additional protection for both you and the rental car in case of an accident or damage. It typically includes coverage for collision damage, theft, and liability. While it is not mandatory to purchase rental car insurance, it can provide peace of mind and save you from costly out-of-pocket expenses if something unexpected happens. 

Before renting a car, make sure to check with your own insurance company and credit card provider to see if they already provide rental car coverage. If not, it may be worth considering purchasing rental car insurance from another provider.

Before Driving Your Rental Auto

Most renters are in a mad rush to get to the top of the queue at the rental desk. They want to complete the rental car agreement formalities on the fly and get on their way. 

Renters often have a tendency to assume that the rental car they are about to pick up is in impeccable condition, completely flawless, and without any kind of blemish. But ‘Trust’ is a word in short supply when it comes to rental vehicles. The rental agent may smile and greet you warmly but their main aim to get you on your way as soon as possible.

So it's crucial for renters to spend time inspecting the wheels they have just signed acceptance for. Not just the external inspection but the interior too. Open every door and look for trim and rubber seal damage. Are all the driver controls functioning properly? Check the trunk (and lid) and the spare tire and tools. Look under the hood as well as on top of it.

The general rule is rather note all the defects on the RA, even if they seem ridiculous. Why is this necessary we hear you ask? The truth is that if you don’t mention it at checkout time, you can guess what will happen when you return your rental wheels. 

Also, every car renter should be aware that unforeseen situations can arise, which might incur unexpected costs if they do not have rental car insurance. 

In some cases, accidents or damages may occur during the rental period due to no fault of the renter. These could include incidents such as collisions with other vehicles, accidental damage caused by natural disasters, thefts, or even vandalism. 

Without adequate rental car insurance coverage, renters could find themselves financially responsible for paying these damages out of pocket. 

Now if you had taken Bonzah’s Primary Rental Car Insurance, it’s a simple matter of referring the rental agent to us. You can claim for the damage you did not cause, but will be held liable for. This would be on a reimbursement basis.

Three facts about rental car insurance coverage in North Dakota

When it comes to rental car insurance coverage in North Dakota, there are a few facts that every rental car driver should know. 

First, did you know that your personal car insurance policy might not cover your rental car completely? Even if you have full coverage on your personal car, you may still need to purchase additional coverage for your rental car. 

Second, not all rental car companies offer the same type of coverage options. Some may offer basic liability coverage while others offer collision and comprehensive coverage. 

 Lastly, if you plan on using a credit card to rent your car, make sure you understand the insurance coverage it provides. Some credit cards offer rental car insurance as a perk, but it may come with restrictions or exclusions. 

Knowing these facts can help you make informed decisions and avoid any unpleasant surprises while renting a car in North Dakota.

Tips for finding the best value on rental car insurance in North Dakota

If you are planning a trip to North Dakota and are planning on renting a car, it is important to consider rental car insurance. While rental car insurance can add up quickly, you don't want to risk going without proper coverage. 

The good news is, there are ways to find the best value on rental car insurance in North Dakota: 

  • Do your research and compare quotes from multiple providers. Make sure you understand the coverage options and what is included in each plan. 
  • Consider using a third-party insurer for rental car insurance to save money. One advantage of going with a third-party insurer is the flexibility it offers regarding coverage options. Instead of being locked into expensive packages offered by the rental car company, you have more control over what kind of coverage you want and how much you are willing to pay for it. This means that if you already have some form of insurance that covers rentals, such as through your credit card or personal auto policy, you may be able to scale back your rental insurance or choose only the coverage that you need.

With these tips in mind, you can have peace of mind while on the road in North Dakota.

Get covered with rental car insurance in North Dakota

Getting rental car insurance in North Dakota is a smart decision for any driver. With the unpredictable nature of accidents and thefts, having comprehensive coverage can provide peace of mind and financial protection. 

By understanding the various options available and comparing quotes from different insurance providers, drivers can find the best policy to suit their needs and budget. Whether it's liability coverage, collision coverage, or personal injury protection, rental car insurance offers valuable benefits that can save drivers from costly expenses in case of an accident or damage to the rented vehicle. 

Don't leave your trip to chance – get covered with rental car insurance in North Dakota today and drive with confidence.