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How To Get Money In Gta

When you come to California or any other state in USA , you find that the public transport is not as good to travel to distant places or corners of the city. Either you have to wait long for the bus/Caltrain or u have to pay extra money for the taxi

Beautiful California Scenic California

 

Alternative solution for this is to rent a car for trip and move comfortably around the city. It will help in many ways :

Time saving : as you can go any time you want to move. You dont have to adjust your mood as per the public transport timing. Comfort : You don’t have to walk much to change the transport vehicle. You can easily enjoy the air conditioned  seat and can take break with your own wish and dont have to worry for frequent stop due to multiple reasons. Money: It will help to save money as well if you are in group of 4 or more , if you calculate the total travel expenses using public transport for all member and then the price of rented vehicle you will find rental vehicle is cost effective.

So renting a car is good option which a lot of people choose. When you look for renting the vehicle there could be two option : Search online and book

Rental Car Insurance

the car or go to the rental desk and book the car Most common place for anyone to book a car is Airport.

But there are stores for individual rental brands in the city too. The benefit of booking car from city rental store is that you would save a lot of money viz : Customer facility charge(CFC) per day, amount of tax is less outside airport also the base cost of vehicle is less Tourism fee is not charged . as the base cost is less so the sales tax is also less

Below is the details of tax when you book from San Jose Airport(there could be additional charges also there could be percentage difference at other airports)

CONCESSION RECOVERY FEE 11.11 PCT      CUSTOMER FACILITY CHARGE 7.50/DAY      TOURISM FEE 2.60 PCT      SALES TAX  [ad1]

Only ‘Sales Tax’ is being charged when you book the car from city rental store. The main benefit of booking the car from airport is Unlimited miles. When you book car from city rental store, the mileage are limited per day or week or month after that there is fixed charge per mileage But you can extend that by paying few more dollars like for $5 150 miles can be extended  so outcome could be cost effective if you are not traveling more than 200 miles per day or say 300 miles per day which is enough I think .

Now when we go for picking up the car the sales agent tries to convince us for the insurance: (Collision damage waiver? Loss damage waiver ? Personal accident insurance? ) and for that he/she tries to tell the consequences in case we don’t buy the insurance coverage for the car. It is because they get perks for selling the insurance.

The main saving of rental companies are from insurance instead from the rental base price

ALL About Rental CAR Insurance : LDW/CDW , Liability /Third party safety or Liability  , PAI, PEC, Excess Insurance

Damage Waiver : Commonly used terms for this are : Loss-Damager Waiver (LDW) / Collision Damage Waiver (CDW) . It is an optional insurance in USA . that is available when you rent a car. In some countries it is mandatory to include CDW insurance price in the base price.

Collision, theft/Stolen,Vandalize other damage, Weather (act of GOD)  : When renter does not buy the LDW/CDW insurance  and rented car is met with an accident or say something happen to it. In that case the customer or some other insurance company has to pay to rental company. The cost could be upto the full cost of the car, it may also include administrative charges for paper work etc, towing charges as the car has to be towed to the repair station or the rental office. loss of use( as the renter company will not able to earn the money until the car is back and able to run) LDW/CDW policy generally covers theft and damage to the rental vehicle , towing charges and other administrative and loss of use charges if the renter complies with rental contract. Rental contract basically get violated in case of unauthorized driver(not added in contract during renting) driving the car ,driving after drinking alcohol or taking drugs, dirt or gravel roads, racing etc .

LDW/CDW  generally costs $9–$19 a day

Liability/ Third party Liability/Supplemental Liability Insurance (SLI) : Vehicle liability insurance generally contains two components : Bodies injured coverage and Property Damaged coverage. Both of these are always included together. Bodily Injury insurance will pay for the person injured in the accident or even killed in the accident . It will cover hospitalization , medical bills, funeral expenses, lost earnings, suffering etc up to the limits mentioned in the insurance contract.

If there is any property damage like  vehicles, lamp posts, houses or even a pet . Then the insurance will cover the expensed for this. Liability Insurance also cover the cost if you are sued due to accident.

Liability insurance’s mentioned limits  are generally combined limits, rarely there are split limits too. California drivers are legally required to carry liability insurance with at least the following limits: $15,000 bodily injury coverage per person. $30,000 bodily injury coverage per incident. $5,000 of property damage coverage per incident.

The cost for liability insurance is generally less than CDW/LDW . It Costs around $7–$14 a day

Personal accident insurance : It basically covers  medical costs or other hospitalization charges and accidental death for the renter and passengers  injured during accident. It Costs around $1–$5 a day

Personal effects coverage : It pay for the personal items lost, stolen or broken during accident. It costs $1–4 a day.

Uninsured /Underinsured Insurance Protection : Though it is mandatory that all drivers must have insurance but it is not always the cases sometime people dont buy insurance and they may hit your vehicle.

Other case could be that few states have relatively less limit for the minimum insurance so that vehicle which cause the accident may not have enough coverage.

SO this is where this policy kicks in which saves you a hefty amount you may have to pay otherwise for the repair of damage.

Generally the cost of this coverage look inexpensive compared to the amount it covers

 

 


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