Yes, Progressive offers discounts on rental cars from Enterprise, Alamo, and National Car Rental. The exact amount of a Progressive rental car discount depends on factors such as the type of car and the length of the rental period, but Progressive customers can save up to 20%. In order to get a discount, you will need to provide the rental car company with your Progressive policy number.
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.
You need some form of insurance to drive a rental car, but you only need to buy extra car insurance from the rental car company if you don’t have personal auto insurance or you’re traveling internationally. Standard car insurance policies usually extend to rental cars, so most drivers are already covered. Many … read full answercredit cards also provide insurance against damage to the rental car itself.
You Might Need to Buy Rental Car Insurance If You:
Don’t have a personal car insurance policy.
Have a personal car insurance policy but your limits are low.
Are traveling internationally and your personal insurance won’t cover you.
Are traveling for business and your personal insurance won’t cover you.
Don’t want to pay your normal deductible or see your premium increase if you file a claim.
Don’t want to pay fees that your normal insurance won’t cover, like loss-of-use charges.
Are renting a car for longer than your insurance or credit card will cover you.
Want to avoid filing a claim with your normal insurance company if you get into an accident with the rental car.
If your car rental is covered by your standard insurance and you’re willing to pay your normal deductible, it’s fine to go without separate rental car insurance. In this case, just be sure to ask your insurer about any exclusions before the rental begins.
It’s also worth noting that even if your standard car insurance policy only includes liability coverage, you might be protected in other ways. For instance, some credit cards allow you to file claims for damage to a rental car, while homeowners, condo, or renters policies cover personal possessions.
In other words, you should consider your current insurance policies before deciding if you need rental car insurance. Additionally, if you plan on using a credit card as coverage, be sure you know about any exclusions and actions you need to take for the coverage to apply, such as declining the rental car company’s insurance options. For more details, check out WalletHub’s complete guide to rental car insurance.
Progressive rental reimbursement pays for the cost of a rental car after the policyholder’s vehicle is damaged by a covered cause, such as an accident. Rental car reimbursement insurance from Progressive usually costs less than $10 per month, and drivers can purchase a limit of up to $60 per day for up to 30 days. This coverage does not apply to rental vehicles used while the car is undergoing routine maintenance, and drivers typically need … read full answercollision and comprehensive coverage to be eligible.
Here’s how Progressive rental reimbursement works:
You add rental reimbursement coverage to a Progressive car insurance policy that includes collision and comprehensive coverage.
The rental reimbursement coverage kicks in when you file a collision or comprehensive claim.
You will pay for the rental car initially, and Progressive will reimburse you later.
In general, rental reimbursement coverage is worth it if you think you are likely going to be in a car accident and need a rental car within the next few years. If not, then you likely won’t get much from the coverage, even though it’s relatively cheap. To learn more, check out WalletHub’s guide to rental reimbursement insurance.
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