Alamo Rental Car Insurance Review [2024]
Our Alamo rental car insurance review finds daily rates starting at $12/day. You might need Alamo extended protection if your personal policy doesn't provide enough coverage. Use this guide to compare Alamo rental car insurance prices to get the best temporary insurance rates when renting a car.
Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Jul 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Alamo
Average monthly rate for good drivers:
$365A.M. Best rating:
Not RatedComplaint level:
LowPros
- Alamo has multiple coverages to choose from.
- Alamo offers discounts on its coverages.
Cons
- Alamo does not accept cash payments.
- Customers have complained about claims handling.
Alamo Rental Car Insurance Review: The Bottom Line
Alamo rental car insurance is a good option if you don’t have car insurance (or your car insurance doesn’t cover rentals) and are looking for quick coverage at the checkout line. However, Alamo’s rates are more expensive than other rental car insurance companies, and customers have some negative reviews about Alamo’s charges and claims handling.
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What You Should Know About Alamo
If you are wondering whether you should get car insurance when renting a car from Alamo, our Alamo rental car insurance review goes over everything you need to know about Alamo’s rental car insurance. Read on to learn more about Alamo rental car insurance prices, Alamo car rental accident claims, and much more.
Alamo Rental Car Insurance Pros and Cons
There are multiple pros and cons to any rental car insurance. Some of Alamo’s main pros are the following:
- Convenience: It’s easy to purchase coverage when renting a car from Alamo.
- Multiple discounts: Alamo offers discounts to customers that can help keep rental car insurance affordable.
Not sure the extra price is worth it? Below are some of the cons of rental car protection with Alamo.
- Card payments only: You can’t pay with cash, as credit cards allow third-party billing later for deductibles.
- Customer complaints: There have been some Alamo rental car insurance review complaints from customers who say they were charged for insurance they didn’t purchase.
To learn more about Alamo car rental accident reviews and customer service, read on.
Alamo Car Rental Customer Service And Complaints
In our Alamo rental car insurance review assessments, we found that some customers complain about charges for coverage, even though they didn’t purchase any. Alamo rental car insurance disputes also deal with the hassle of claims filing and charges after accidents driving Alamo cars.
The positive Alamo insurance reviews, however, deal with the ease of renting cars from Alamo and the quickness of service, especially at busy places like airports.
As for Alamo rental car insurance reviews from employees, Alamo is rated well for work/life balance, salaries, benefits, and other work-related factors.
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How to File an Alamo Insurance Claim
Not sure how to file a car insurance claim at Alamo? The snapshot below shows all the relevant information you need to file after an accident.
If you can’t get a hold of a live agent for assistance or prefer to message over email, you can use Alamo’s contact form to reach out.
Alamo Insurance Coverage Options
What Alamo Rental Car Insurance Covers
Alamo offers the following temporary car insurance coverages.
- Collision damage waiver (CDW): Alamo agrees not to pursue the renter for the full value of the car if the renter is in an accident.
- Personal effects: Alamo insures the renters’ personal effects that are in the car, such as luggage.
- Roadside assistance: Alamo covers the cost of roadside assistance, with some exceptions.
- Supplemental liability: Alamo offers additional liability insurance (also known as Alamo extended protection) for property damage and bodily injury.
What you purchase will change your rental car insurance cost, so make sure you do your research to see what coverage you need and what you can do without before you buy rental car insurance online.
When You Need Alamo Rental Car Insurance
You will need Alamo rental car insurance if you don’t have car insurance. You may also want it if your personal car insurance policy doesn’t offer much protection.
Check with your insurance company before purchasing rental car insurance to see if you have coverage on rental cars. If you have great primary insurance that extends to rental cars, you can likely skip the rental insurance.
Dani Best Licensed Insurance Producer
On a side note, if you rent a car because your vehicle is in the shop after a covered accident and you have rental car reimbursement coverage, your insurance may help pay for part or all of the cost of your Alamo rental car vehicle.
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Alamo Insurance Rates Breakdown
Compare Alamo Rental Car Insurance Costs
Below, take a look at the top rental car companies’ rates to see which provide cheap rental car insurance.
| Rental Car Company | Loss Damage Waiver (LDW) | Supplemental Liability Insurance (SLI) | Personal Effects Insurance (PEC) |
|---|---|---|---|
| ACE | $15 | $11 | $10 |
| Alamo | $17 | $13 | $12 |
| Avis | $13 | $12 | $11 |
| Budget | $13 | $12 | $11 |
| Dollar | $16 | $11 | $10 |
| Enterprise | $13 | $13 | $12 |
| Hertz | $13 | $12 | $11 |
| National | $17 | $13 | $12 |
| Thrifty | $16 | $11 | $10 |
Alamo’s rates are on the higher end compared to other companies like Hertz and Budget. You can learn more about these two companies in our Budget rental car insurance review and Hertz rental car insurance review.
Alamo Discounts Available
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How to Get Alamo Rental Car Discounts
While Alamo’s rates are on the more expensive end, it does offer some discounts to help reduce costs. See how the best rental car insurance companies compare.
| Company | M-F Discount | Sa-Su Discount | AAA Discount | Govt/Military Discount | Free Upgrades |
|---|---|---|---|---|---|
| ACE | 10% | 5% | 5% | 10% | No |
| Alamo | 15% | 10% | 10% | 15% | Yes |
| Avis | 20% | 15% | 15% | 20% | Yes |
| Budget | 15% | 10% | 10% | 15% | Yes |
| Dollar | 10% | 5% | 5% | 10% | No |
| Enterprise | 20% | 15% | 15% | 20% | Yes |
| Hertz | 15% | 10% | 10% | 15% | Yes |
| National | 20% | 15% | 15% | 20% | Yes |
| Thrifty | 10% | 5% | 5% | 10% | No |
The best rental car insurance plans offer multiple discounts of at least 10%.
Frequently Asked Questions
Do I need rental car insurance?
You need rental car insurance if your personal car insurance policy doesn’t cover rental cars. Learn more: Can I use my own insurance when renting a car?
What is collision damage waiver insurance?
Collision damage waiver insurance is insurance that waives the company’s right to pursue the renter for damages if they are in an accident with the rental vehicle.
What is not covered by a collision damage waiver?
It depends on the insurance company, but collision damage waivers generally don’t cover theft, lost keys, and similar situations, just like collision car insurance.
Which is better, Alamo rental car insurance or Enterprise?
Both are similar in terms of rates, but Enterprise has more locations across the U.S. Enterprise also has larger discounts than Alamo.
Is Alamo rental car insurance better than Hertz?
Hertz and Alamo are very similar in terms of rates and discounts offered. However, Alamo is slightly more expensive on average.
What does an Alamo collision damage waiver cover?
An Alamo collision damage waiver will excuse the renter from covering all or part of the costs if the car is damaged or stolen.
Who owns Alamo car rental?
Alamo’s parent company is Enterprise.
What is the difference between Alamo, National, and Enterprise?
National Car Rental and Alamo are owned by Enterprise.
Where is Alamo Rental Car headquarters?
Alamo’s headquarters are in Clayton, Missouri.
Is insurance worth it for rental cars?
If your personal insurance doesn’t cover rental cars or doesn’t offer much protection on rental cars, then yes, cheap rental car insurance plans can be worth it. The last thing you want to do is rent a car without insurance (read more: Can I rent a car without insurance?).
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.