7 tips for a better car rental experience

Whether you're planning an adventure on the open road, or just a way to get from the airport to your home or hotel, a rental car can fill the bill. With simple research and planning, it can also be an economical and efficient way to go.

Here's how to look beyond the lowest-per-day rate and rent a set of wheels you can afford to love:

1. Make plans early.
2. Do your research.
3. Fees add up.
4. Forgo insurance if you don't need it.
5. Follow the rules.
6. Pay now.
7. Fill that tank.

1. Make plans early.

You'll increase the odds of getting what you want. This is especially true during heavy travel seasons when fewer cars are available. If the agency can't provide the car you reserved, it may offer a complimentary upgrade.

2. Do your research.

Memberships in USAA and motor clubs can help you score the best deals. You may receive additional offers such as double upgrades. To compare rates between the four major rental car companies that offer the best benefits with one simple search, use the USAA Car Rental Comparison Tool.‍ ‍ ^{See note 1} You'll also find coupons to help get the lowest price.

3. Fees add up.

While comparing rates among companies, consider the not-so-transparent fees. Rental agencies make their steepest profits from insurance and other add-ons such as a GPS system. Also keep in mind that under-age driver and additional driver fees can add up.

4. Forgo insurance if you don't need it.

Check with your auto insurance company and your credit card company to determine what kind of coverage you already have. For example, member benefits at USAA could include liability coverage. For more details, review USAA's Coverage for Rented Vehicles. Collision damage waivers are expensive, so check if you need it.

5. Follow the rules.

Don't be so quick to grab the keys and head out. Walk around the car with the agent before you leave so you're not held responsible for damages you didn't cause. Go over the terms of your rental contract to avoid penalties or surprise charges. For example, most agencies add a fee if more than one person will drive the car.

6. Pay now.

Some rental agencies have "pay now" offers that cut a significant amount from your rental rates.‍ ‍ ^{See note 2} Some even boast a 35% discount. But be aware that these prepay rates could be subject to other terms and cancellation fees.

7. Fill that tank.

You could save money by filling the tank yourself instead of signing up for the prepaid fuel option. But don't forget to refill the tank, because you'll pay a hefty per-gallon price if you don't.