There are three main ways to buy liability insurance for a rental car.
First, check with your own auto insurance company. If you have a personal auto insurance policy, many insurers will extend liability coverage to your rental vehicle at no extra cost.
The second way to buy liability insurance for a rental car is to purchase a non-owner car insurance policy. This type of policy is designed for individuals who do not own a personal vehicle but rent cars frequently. Depending on how often you rent cars, this option might be cheaper than buying insurance directly from the rental car company each time you're at the rental counter.
Finally, you can also buy liability insurance directly from the rental car company at the time of your car rental. This option tends to be the more expensive option.
Progressive rental car insurance is included in your personal car insurance policy, and a rental car has the same coverage with the same limits as your personal car. If you only have liability coverage, your insurance will pay for the other driver’s injuries and property damage in an at-fault accident. You need … read full answercomprehensive and collision coverage on your personal car for insurance to pay for property damage to the rental.
When Progressive Rental Car Insurance Is Not Enough
If you rent a car similar in value to your personal vehicle, you probably have enough insurance. But if you decide to rent a luxury car and usually drive an old clunker, you might want extra coverage. You can get a collision damage waiver (CDW) from the rental company, which leaves them responsible if the car is damaged or stolen. You may have rental insurance from your credit card company, too, if you decline the rental company’s waiver.
Other Types of Insurance to Consider When Renting a Car
In addition to a CDW, rental car companies offer a few other types of insurance if you don’t have enough coverage with your Progressive policy. These include supplemental liability protection, personal accident insurance, and personal effects coverage. The insurance offered by the rental company often duplicates coverage drivers already have through health, life, and auto insurance.
Each policy is unique, though, and there may be certain exclusions based on your specific situation. It’s important to confirm the details of your policy by calling customer service at 1-888-671-4405 before declining additional coverage at the rental counter.
Progressive Rental Car Reimbursement
Progressive also offers rental car reimbursement, which helps pay for a rental car while your vehicle is being repaired for a covered claim. Progressive will typically pay between $30 and $60 per day, for up to 30 days, toward the cost of your rental. You can find out how much this optional coverage will cost and add it to your policy using your policy number online, or by calling customer service.
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