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No, if your car breaks down, insurance will not cover a rental car unless you have rental reimbursement coverage and the breakdown was the result of something covered by comprehensive or collision insurance. If the breakdown was the result of an underlying mechanical issue, your rental coverage will not apply.
Even if you don’t have rental reimbursement coverage with your car insurance company, you may be able to get it through an extended warranty. Extended warranties are service contracts that cover repair costs if your vehicle suffers a major mechanical failure. In addition to the breakdown coverage, extended warranty providers often include rental reimbursement coverage in their contracts. Extended warranties are usually not available from insurance companies, so you’ll need to purchase one from either a third-party company or your car’s manufacturer.
To learn more, check out WalletHub’s guides to rental reimbursement coverage and extended car warranties.
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Extended car warranties are worth it if you don’t have enough savings to pay for repairs to major systems in your car, like the engine, or you’re worried about your car’s reliability. But for most drivers, extended car warranties go unused, so the potential benefits are not enough to justify the upfront cost.
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read full answer by WalletHub, Financial CompanyDoes USAA offer discounts on rental cars?
Yes, USAA offers discounts of up to 25% on rental cars from participating Enterprise, Hertz, Budget, and Avis locations, and you can save even more by prepaying for your rental through USAA. The discount applies to time and mileage charges for the rental only, rather than any insurance or additional products you purchase. Some vehicles are also excluded from the discount.
To get the USAA car rental discount, you will need to use your...
read full answer by Delaney Simchuk, Car Insurance WriterDoes Progressive offer rental car insurance?
Yes, Progressive offers rental car insurance. If you already have a personal auto policy from Progressive that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Progressive, physical damage to the rental vehicle will not be covered.
You can talk to a Progressive customer service representative at 1 (888) 671-4405 to see if your personal policy will extend to your rental car. If you...
read full answer by Delaney Simchuk, Car Insurance WriterDid we answer your question?
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