Should I Get Road Trip Car Insurance? Everything You Need to Know

road trip car insurance
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You’ve made up your mind; you’re taking a vacation this year. But you’d like to save money and airport security is a hassle.

How does a road trip across the country sound?

That’s an idea you can roll with.

But road trips are different than your traditional flight to Europe. You’re in control of your vehicle, and you’re also responsible for anything that could go wrong (and something is likely to go wrong). So how do you navigate those intricacies and make sure your big road trip goes off without a hitch?

Read on to learn the benefits of road trip car insurance and how it fits into your travel plans!

The Great Road Trip Boom

The sun is shining, and Americans are starting to feel its warmth. With travel opportunities presenting themselves, people are looking to the outdoors. Studies show that over 60% of Americans experienced a strong desire to travel, and many are following through on that feeling.

Of course, international travel is still a complicated task. Instead, Americans are considering long, intimate road trips across the country. This way, they have more control over how their vacation plays out while saving money on plane tickets.

With a large influx of people traveling via car instead of plane, a new list of travel questions is presented. Will your car survive long highway miles? Should you drive your own vehicle or rent an RV? And should you consider road trip car insurance to protect your excursion?

Types of Car Insurance for Road Trips

Whether your drive your own vehicle or use a rental, several types of car insurance exist to protect you from unforeseen circumstances.

First, you should consider reevaluating your vehicle’s standard auto insurance policy. Aspects that will help protect your road trip include:

  • Liability Coverage
  • Uninsured Motorist Coverage
  • Collision Coverage
  • Comprehensive Coverage

In addition to updating these aspects, you should strongly consider looking at your current roadside assistance services.

If you have checked your auto insurance and decide to rent a vehicle instead, you have options to protect your rental vehicle. Many rental car companies offer waivers for collision and loss.

Regardless of whether your drive your own car or rent one, there are aspects of your road trip that are still uncovered. In those cases, companies are starting to offer special road trip car insurance. This way, your entire experience is covered in case of accident or emergency.

What Is Road Trip Car Insurance?

When you consider road trip travel insurance, know that there are two main areas of coverage: trip cancellation and interruption coverage. These coverages reimburse you for the expenses of a trip that are nonrefundable, such as event tickets or RV rentals.

The best road trip care insurance will also cover a variety of emergency aspects. These include:

  • Rental car travel insurance
  • Medical emergencies
  • Emergency medical evacuation
  • Luggage and personal belongings
  • Roadside service and mechanical assistance

Maybe your son got sick before your scheduled helicopter tour over the Grand Canyon. Or maybe you were injured on a hike in the Yosemite Wilderness and need emergency rescue. Or the coolant reservoir in your Subaru hatchback sprung a leak and your vehicle overheats.

In the event that your domestic vacation doesn’t go as planned, road trip travel insurance will cover you.

What are the Benefits of Road Trip Car Insurance?

Americans can take advantage of the benefits of road trip car insurance on their domestic travel this year. Many travel insurance companies are preparing to offer their version of road trip insurance, giving you the option to pick the coverage that best fits your itinerary.

These insurance plans couple with domestic travel especially well. Because insurance companies don’t have to deal with international aspects, they can offer lower prices. If you’re hesitating on road trip insurance, know that the cost of domestic coverage is more affordable than international travel.

To hammer this home, many road trip travel insurance policies scale with the price of the trip. So for those traveling within their region, a road trip policy will extend even farther.

A convenient aspect of many of these plans is that roadside assistance comes included. Instead of using your personal plan, you can take advantage of road trip insurance to cover your vehicle in case of a tow or a flat tire. Those using the treads app will especially benefit from tire changes if their tire blows out or they hit a nail.

Road Trip Car Insurance Considerations

If you’re on the fence about road trip car insurance, you might include some aspects into your planning. long-distance driving introduces several implications that could make or break your adventure.

The road can be a dangerous environment for even the safest driver. Research suggests that traffic accidents resulted in 36,000 deaths in 2019.

Distractions and exhaustion, especially from long hours of driving, are common on the highway. While this shouldn’t stop you from planning your trip across the country, it should bring awareness to what you’re getting involved in.

While you look at different road trip plans, know that each one is slightly different. One policy that covers your personal vehicle may not cover an RV full of family members. When searching for the best road trip car insurance for you, consider all the aspects that your itinerary entails.

Choosing the Best Road Trip Car Insurance

Sifting through all the options for road trip car insurance can be a daunting task. With the huge desire to travel by car, many travel insurance companies are releasing their own road trip policies.

Treads’ insurance allows you to skip that process. We’ll compare prices from many major insurance companies and provide you with the road trip policy that best suits your needs. Let us help you find the right insurance plan for you with a free quote today!

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