Renting car until new car arrives - insurance

General Discussion
1

Found the car of my…needs! A nice hybrid. But I may have to wait 3-5 months for it.

My current 35-year-old car is dying and is starting to feel unsafe, and I’m not willing to put another dime into it - I’m donating it to my local NPR station!

I could rent a car from Enterprise for several months, but what do I do about insurance? Should I keep my current car with its low-budget insurance and wait to donate it until I get my new car?

On another thread, some claimed, “You can buy “any car” liability insurance to avoid the high rates charged by the rental companies…” True?

Thanks.

2

Check out how much coverage you have on a rental car with your current insurance, and with the credit card you’d use for the rental. Then ask your insurance agent about the ‘any car’ insurance option.

3

Your current insurance would likely cover an extended rental, but you need to maintain your current vehicle. Don’t forget that liability coverage is as important as vehicle damage. Rental insurance is only for damage to the rental vehicle and the rents lost during repair. It does not give you liability and does not meet the requirements for an umbrella policy. So park the car until the new one comes in but discuss with your agent. My license lapsed 50 years ago.

4

Just out of curiosity . . .

Why do you have to wait 3 - 5 months for the new car?

Is it in extremely high demand?

5

My BIL waited over a year for his maverick.

6

You forgot to say what it is.

7

That was not relevant to the question and could spur a whole new set of comments.

8

Hybrids are all in demand!

9

You disapprove of someone changing the subject?

10

Who wouldn’t wait for a maverick?! Hope he loves it.

11

Toyota and Lexus supply strategy during the last 5 years has been to have smaller dealer inventories and to sell vehicles that are in transit (on ship or rail) or while still on the assembly line.

12

This the grandma from a recent thread who’s decided on a new Sienna hybrid waiting for what she wants. I’ve hears of 4mo backlogs for rav4 at at least one dealer.

I’d also suggest confirming with your local insurance agent and credit card company. Just to cover yourself.

13

Incorrect. Not a Sienna.

14

Last year I bought a new 2025 Camry LE hybrid

It wasn’t pre-sold

I did everything in one afternoon

@wolyrobb I did call my insurance and handled that before I left the lot

I paid cash . . . No financing for me

But I agree Certain vehicles are more popular. RAV4s seem to be the flavor of the week

That said, I see a LOT of 2025 and 2026 Camrys driving around, including base LE models, so they seem to be plenty popular

15

The OP wants personal insurance coverage for the rental car, in that case it would be necessary to have an insurance policy during the interim.

16

Let’s play 20 questions!! Or not. What is your new mystery car?

17

We put a deposit in the 2010 prius while it was 5 days from port. But we had our old car to drive on insurance before then. Entire supply of the prius to the pnw was sold by the time the ship docked in Portland. Ordered an 07 crv already scheduled for production and had toi wait 6wjs for it to arrive at the local dealership.

Brothers GTI was the longest wait at 3mo+ with a factory break and model yr changeover. 2009 instead of late 2008 but got what he wanted. Still has it.

Nationwide in the last 45 days more Camrys have sold than dealer’s have in stock currently. But not as extreme as other Toyota models.

18

Had it for over a year. Just had to buy one battery fir $585.

19

It may have helped I bought the base model LE . . . by no means a strippo, btw . . . as opposed to the pricier and more popular SE model

Plus I’ve got all sorts of arthritis and scoliosis . . . The SE is firmer and may have been a bad match for me?

20

Since when does it matter what I approve of?