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. Collision damage exemptions only cover damage to the rented vehicle.
In addition, collision damage exemptions may not cover damage caused by risky behavior, such as taking the rental vehicle off the road or speeding. Some exemptions may also exclude coverage for damage to specific parts of the rental car, including the windshield or tires. Your Progressive car insurance covers rental vehicles with the same limit. That means that if you're driving a new Audi and renting a compact car, you're good to go.
But what if you have a 2004 Kia Rio with 170,000 miles and want to rent a full-size sedan with the latest features? That's where you could be underinsured. If your car insurance policy includes collision coverage, you may already be covered for collision damage to your rental car. So, if you're a member of the armed forces or if you're a member of a military family, it might be a good idea to request an auto insurance quote from the USAA. Geico offers a wide range of coverage options with a number of extras, such as roadside assistance and classic car insurance.
Two claims in one year can significantly increase your insurance rates, so you may want to exercise caution and purchase insurance. If you damage your vehicle and it's sent to the repair shop, the car rental company may charge you a fee for each day the vehicle is out of service. If you travel frequently but don't have a car, you can also take out car insurance for non-owners that covers you in all driving situations. However, if you want more protection, or if you are going to travel abroad or for business reasons, you may need to take out rental car insurance.
In most cases, rental car insurance overlaps with your personal car insurance policy and you won't have to pay for duplicate coverage. Travel insurance programs can also generally cover collision and loss of use at a cheaper price than the car rental company. So, should you take out rental car insurance? It depends on whether you want to have the peace of mind that you will find yourself in the worst case scenario. If you have a Progressive car insurance policy, the good news is that you also have coverage for rental cars.
Remember that your Progressive car insurance will only cover up to the limit of your own vehicle's policy. In addition to the car rental company's options, you may be charged with your credit card company or with your travel insurance plan.