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. Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car.
Progressive is the first major insurance company that offers consumers the possibility of quoting a policy through Facebook Messenger, thanks to the Chatbot Flo. Progressive rideshare insurance: Customers who drive for Uber or Lyft should add rideshare insurance to their personal car coverage with Progressive. 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. Before buying insurance from the rental company, you should consider what coverage you already have through your personal car insurance.
If your personal car is insured and you pay your rent with a credit card, you can probably skip the optional coverage offered at the rental counter. Liability insurance for rental vehicles does not protect you or your rental car against collision damage, car theft, loss of personal effects, or injuries. Most auto insurers extend their collision coverage to any rental vehicle you drive, as long as you drive it for personal use. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company.
However, you may already have rental car insurance through your current insurance coverage or credit card. From the time Progressive was established, they have steadily grown to become leaders in the auto insurance industry. In general, if you think you're going to have a car accident and need to rent a car in the next few years, rental reimbursement coverage is a good idea. This includes the Snapshot program (which offers cheap car insurance premiums based on the driver's habits), accident forgiveness, and the lowest car insurance deductibles every year without filing a claim.
This coverage does not apply to rental vehicles that are used while the car is in service, and drivers generally need collision coverage and comprehensive coverage to qualify. You should consider a collision damage exemption if you don't have collision coverage in your car insurance policy.