Do I Need Rental Car Auto Insurance Coverage?

Posted on September 30, 2026September 17, 2026 by admin

When you drive a rental car, it’s important to make sure you have the right coverage in place. Rental car companies typically offer coverage you can purchase on top of other rental fees, though this insurance is often more expensive than what your personal auto policy would provide. Knowing whether you actually need rental car insurance, or whether your existing policy already extends to a rental, is worth figuring out ahead of time. The professionals at Gateway Property & Casualty, serving Dover, NH, are here to answer your questions. Before you rent a car, reach out to us for guidance.

Does Your Auto Insurance Coverage Extend to a Rental Car?

If you already have auto insurance, your liability, comprehensive, and collision coverage will typically extend to a rental car as well. There are a few exceptions worth knowing about, though. For example, if you’re driving the rental car for business purposes, that use may not be covered under your personal policy. Your insurance agent can help you understand exactly how your coverage applies before you decide whether to pay for additional protection through the rental car company.

How Can You Get Auto Insurance Coverage for a Rental Car?

If you already carry an auto insurance policy, you likely won’t need to pay for additional coverage through the rental company. If you don’t currently have a policy, purchasing coverage directly from the rental car company may be necessary.

Have Questions About Rental Car Auto Insurance? Call Your Insurance Agent Today

If you have questions about how rental car coverage works, contact your insurance agent at Gateway Property & Casualty, serving Dover, NH. We’re happy to help you understand your auto insurance coverage.

How Often Should You Review Your Auto Insurance?

Posted on October 31, 2025October 24, 2025 by admin

Your auto insurance is an important part of car ownership. Having the right type of insurance and the right level of coverage can help you recover if you’re in an accident. Over time, car insurance needs can change. Reviewing your car insurance regularly can help you keep up with those needs.

The professionals at Gateway Property & Casualty, servicing Dover, NH, and August, ME, are here to help. Our insurance professionals can offer information about insurance products and expert insurance advice. Here’s what you need to know about reviewing and updating your auto insurance.

Why Review Your Auto Insurance?

Your auto insurance needs may change as your vehicle ages. Often, car owners want full coverage auto insurance for new vehicles, then reduce their coverage as their car gets older. Reviewing your car insurance helps you avoid being underinsured while also preventing you from overpaying for your car insurance.

How Often Should You Review Your Auto Insurance?

Review your auto insurance once per year at the same time that you review your other insurance policies.

When Should You Review Your Auto Insurance?

You can review your auto insurance policies at whatever time of year is most convenient for you. Some people review their auto insurance policies near the beginning of the year. Others wait until their auto insurance policy is up for renewal. As long as you’re getting it done, you don’t have to do it at a specific time.

Need To Review Your Auto Insurance? We Can Help

If you need to review your auto insurance policy, the professionals at Gateway Property & Casualty, serving Dover, NH, and Augusta, ME, can help. We can review it for any coverage gaps and recommend options for full protection.

What role do anti-theft devices play in car insurance?

Posted on December 24, 2024December 23, 2024 by admin

Various factors influence car insurance rates, with vehicle safety and your driving record playing primary roles. Anti-theft devices, which significantly reduce the risk of vehicle theft, are one such factor.

Many vehicle owners overlook these devices, but they can lead to substantial savings on insurance premiums. The Gateway Property & Casualty team can help residents of Dover, NH, understand how their vehicles’ anti-theft features can benefit their insurance rates.

Reducing Risk and Premiums with Anti-Theft Devices

Insurance companies consider the likelihood of your vehicle being stolen when setting the premium. Anti-theft devices, such as steering wheel locks, alarms, and GPS trackers, significantly lower this risk. Consequently, insurers often offer discounts for vehicles equipped with these devices. Drivers may also be able to add some of these features to their vehicle.

Enhancing Coverage with Anti-Theft Devices

Anti-theft devices can also enhance coverage options. It’s sometimes possible to obtain specialized policies or additional benefits for vehicles equipped with advanced security features. In some cases, coverage for the installation of the device or reimbursement for anti-theft technology may be available if the car is a total loss.

Selecting the Right Anti-Theft Devices

The type of anti-theft device can influence its impact on insurance coverage. High-tech options, such as immobilizers, often yield the most significant discounts.

Anti-theft devices are a win-win for vehicle owners and insurers alike. They offer peace of mind, protect your vehicle, and can lead to meaningful savings on your car insurance. Contact Gateway Property & Casualty today to learn how security measures can enhance your coverage and reduce costs.

Dealing with the Aftermath of Auto Accidents

Posted on February 28, 2024February 26, 2024 by admin

Few events can change the trajectory of our day or life quite like an auto accident can. One minute, you are on your way to the park for a Saturday afternoon get-together with friends, and the next, you are trying to figure out what happened as you struggle to hear your own thoughts over that ringing in your ears. That is the bad news. The good news is, at Gateway Property & Casualty, we can help Dover, NH drivers be better prepared for events like these and the aftermath that follows.

Getting Help After the Accident

With auto accidents come the potential for injuries, the inevitable damages and repair expenses, and the possibility of being without a vehicle. These issues are problematic enough. The real pain, however, is that these concerns will linger long after the smoke and dust have cleared.

With the proper planning and insurance protection, you can get help dealing with these concerns. Does your auto insurance cover the cost of car rentals while your car is being repaired? Will your insurance help with repairs, property damage, and medical bills? At Gateway Property & Casualty, we can help.

For All Your Auto Insurance Needs

The bottom line is, does your auto insurance offer the help you need to deal with the aftermath of an auto accident? At Gateway Property & Casualty, we are in the business of helping drivers from in and around Dover, NH, with all their auto insurance needs. Including help during and after the accident.

If you would like to learn more about how the right auto insurance plan can protect you and help you be better prepared to deal with the aftermath of an auto accident, contact us today.

Do I need to carry auto insurance in New Hampshire?

Posted on April 11, 2023April 28, 2023 by admin

Driving in New Hampshire is a pleasure. The gorgeous scent, the uncrowded roads, and the friendly residents. It’s all good. New Hampshire is one of a handful of states that does not require that you carry auto insurance. But, and it is a big but, you need to show that you are financially able to pay for any damage you may cause to people or property if you are responsible for an accident.

At Gateway Property & Casualty in Dover, NH we work hard for our customers to find the right auto insurance policy to meet their needs.

Why Auto Insurance?

While you can opt to provide the information that is necessary to prove your financial ability to pay for any damage that you cause, most people opt to get the basic insurance that is necessary to protect other drivers from you. The minimum liability coverage that you are allowed to carry is 25/50/25. This is $25,000 for injuries to the first person injured, with a total of $50,000 for all the injuries in an accident. An additional $25,000 is to cover damage to the property.

This is the basic amount of insurance that is required to cover the mandate of the government. However, if your car is leased or if it has an auto loan, you will be required to carry insurance that protects the vehicle that you have an interest in. You will need to carry collision and comprehensive coverage. These protect the vehicle from damage that results from a collision with another vehicle and from many other things including flooding, theft, and hail.

Reach Out To Us

If you want to learn more about auto insurance in New Hampshire, give us a call at Gateway Property & Casualty in Dover, NH to discuss the options that we have to offer through our multitude of carriers.