These ideas are from a former Enterprise rent a car manager.
If your car is in the shop or you need a car in your area to move around.Get a lower rate by saying this line to the car rental clerk. When the clerk offers the insurance just get the basic or minimum. Dont get the million dollar add on insurance because you only get that if you die.
Here's how to get that insurance rate on your next rental: Call for a reservation, say your car was totaled and you need a replacement; your insurance company is cutting you a check for $25.00 per day flat so you need something for under $25. Tell the agent that your insurance company is State Farm, or Farmers, or someone big--the big insurance companies have the best rates (rates will vary a few dollars from company to company). You'll need your own proof of insurance when you come in but don't that needs to match what you say here, nobody cares and people utilize different insurance companies for all kinds of reasons (you were hit by another company's insured is probably the main reason). The important thing is that the insurance company is cutting you a check so you're responsible for this rental, you'll bring your own credit card, you don't even know who your adjuster was (if you know the name of a local adjustor you can use it, Enterprise's computer will show the adjustor's name but nobody's going to check, State Farm uses regional teams for their claims so for State Farm you could say "State Farm Team number something, I forget the exact number.").
The agent hates these calls--the cheapest car on his books is more than your lousy $25 allowance. In this case he is supposed to give you 'standard insurance rates' which are midway between what a big insurance company pays and retail, but in this instance he'll usually just source you to State Farm's bargain prices because it's not worth his time. He should offer you an economy or compact for somewhere around the $25. Stick to your guns: you absolutely have to keep under your $25. He can work that price to come to exactly $25 after tax (or close, if not just call another branch). By now you're locked into the insurance company's rates and he knows you're cheap: if you want an upgrade now is the time: "well I did have a Taurus, my adjustor mentioned I should be able to get something like that for $29.99, can we just do that instead? I can't really afford it but I think I need the space for my kids." Remember to be as nice as possible, if the agent likes you he'll make the deal even if he has to go out of his way to get your car (hint: mentioning you might need supplemental insurance can work wonders to seal the deal, see above).
Daily insurance rates are flexible per region and carrier, in my region which was a major Southern metropolitan area daily rates start around $21.99 for the economy, $23.99 compact, $27.99 mid, $30.99 full, $40.99 premium. Minivans start around $37.99, SUVs around $50.99, Luxury is rare on insurance deals but starts around $49.99. This is the bare minimum insurance replacement cost, rates are generally higher in the East and Northeast, a touch lower in the Midwest, and a lot higher on the West coast. Adjust your figures up or down depending on your geography, call two or three branches and you'll have a good idea of all the rates in your region.
When you are on vacation and you need a car to move around to see the beautiful tourist attractions. Again, when the clerk offers the insurance just get the basic or minimum. Dont get the million dollar add on insurance because you only get that if you die.Check out this ideas.
Enterprise Rent A Car runs the "weekend specials" because there are loads of spare cars on weekends. Airport and tourist-heavy places won't have much for you, but neighborhood branches will be "sitting fat" (way too many cars) 40 out of 52 weeks of every year, a branch that has zero cars on the lot can pull a car from another nearby store that certainly will have too many. Weekends are hard on insurance adjustors' numbers so they push the body shops to get all their jobs done by Friday evening, therefore a ton of rental returns come in on Fridays. Prices for the weekends are especially flexible, entirely dependent on how many cars there are in the area. I usually told my employees to roll a car at ANY price just get it off my books--having a car unrented over the weekend is murder on your branch's numbers, the more expensive the car the more we need to get it off the books for that weekend. If you want the premium car for $14.99 a day and I have one, I'll roll it (only caveat being you have to add my extra insurance if you want that price _and_ unlimited miles...plenty of locations are open on Saturday just stop by and remove the insurance tomorrow but keep your lower price). Enterprise corporate really frowns on cutting the rate and adding insurance but it's a great tool to clear out the lot on Friday afternoon.
For the best weekend deal call up on Friday sometime before 2pm and say, "I have all my info, drivers license and credit card, can I get a rental all setup so I don't have to do anything but sign the ticket when I come in?" This is GOLD because now the agent can pre-write your ticket and get that car off his books before the 2pm count (if a car is unrented at 2pm, it counts against the branch for that day so he'll write your ticket before 2:00 and then the car can sit there all day for all he cares). Have your rate in mind and ask for it--don't be afraid to make your own price! If there is a car available, you'll get that car. If you still can't get the rate you want, casually mention you probably need the extra insurance. He'll write the contract now, then you initial the "decline" boxes when you come for the car (so you changed your mind). The contract is already written; he can go back and take off the waiver with just a couple keystrokes, it'll probably cheese him off but you'll get your lower rate and not pay for the insurance.
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