Your personal car insurance will cover most rental cars with the same coverage limits and deductibles. For example, if your car policy includes comprehensive and collision coverage, you'll be protected against physical damage to the rental vehicle. Your liability coverage will also apply when you get behind the wheel of your rental vehicle. Yes, Progressive offers car rental insurance.
If you already have a personal auto policy with Progressive that includes liability, comprehensive and collision coverage, this insurance will likely be extended to cover your rental car. If you only have liability insurance with Progressive, physical damage to the rental vehicle will not be covered. The Guides Auto team researched the best car insurance in California to provide you with a list of the top five providers that offer affordable coverage in the state. Below, you'll find rate estimates for different driver profiles, as well as key information about car insurance requirements in California.
In addition to standard coverage, you can add options such as roadside assistance, rental vehicle reimbursement and coverage for classic vehicles. Keep in mind that not all states require car rental companies to automatically provide mandatory minimum insurance coverage. You should consider a collision damage exemption if you don't have collision coverage in your car insurance policy. Most auto insurers extend their collision coverage to any rental vehicle you drive, as long as you drive it for personal use.
Geico rates are among the cheapest in the state for auto insurance policies with minimum and full coverage. The availability of discounts may vary by state, so you'll need to talk to an insurance agent to find out what auto insurance discounts you're eligible for. Your credit card company may also offer rental car insurance if you use it to pay for the rental vehicle. You can talk to a Progressive customer service representative by calling 1 (88) 671-4405 to see if your personal policy extends to your rental car.
Rental car insurance is independent coverage offered by a rental car company, while rental vehicle reimbursement coverage is optional coverage that you can add to your personal auto insurance policy to help pay for the expenses of renting the vehicle while the vehicle is being repaired after an accident. If your car insurance policy includes collision coverage, you may already be covered for collision damage to your rental car. There may be situations where it's worth adding rental car insurance, so it's important to review your personal car coverages. Motorists with a recent accident, a speeding ticket, or a DUI pay more for car insurance because insurers consider them to be high-risk drivers.