Your Liberty Mutual car insurance should cover your rental as long as the vehicle is worth similar to what it already has. But if you have a 230,000-mile Chevy Spark and rent a luxury SUV, you may be underinsured. Liberty Mutual is an insurance provider with a wide range of auto policy coverage options and benefits. I'd rather stick with my current car insurance and have peace of mind than with this unprofessional customer service from Liberty Mutual.
If you don't have a personal car insurance policy, you can purchase rental car insurance from a third-party provider directly or through the car rental company. However, drivers who need additional coverage or who don't want to pay the normal deductible of their insurance can take out rental insurance with an outside company. Before buying insurance from the rental company, you should consider what coverage you already have through your personal car insurance. In California, for example, you must have a personal car insurance policy with liability coverage or purchase additional liability coverage from the car rental company in order to drive legally.
Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance. Yes, Liberty Mutual is a strong auto insurance company with relatively cheap rates and coverage that you can customize to your needs. Liberty Mutual doesn't disclose its auto insurance rates online, but you can request information about the services and get a quote on their website. All three of them were going to be on a single bill when I set it up in February, but they said I couldn't until the car insurance ended with their contract, so I've been paying 2 bills and one with automatic payments.
Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car. If you plan to use your standard insurance policy or credit card as rental car insurance, be sure to read the small print or call your insurance company to make sure you're covered. Bonzah is the best third-party provider of rental car insurance because it's the only option that offers supplemental liability insurance.