Your personal auto policy with Progressive can cover you while you're driving a rental car, up to the extent of the coverage you have for your own vehicle. For example, if you have comprehensive coverage for your car, that protection will extend to most rental vehicles. 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. Protect your vehicle with physical damage coverage. Comprehensive auto insurance coverage and auto collision coverage can pay for a wrecked or damaged vehicle due to an accident or other covered incident. And if you're currently leasing or financing your car, your lender normally requires that you have both coverages.
Using data from the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute (III) calculated the ten most and least expensive states for auto insurance. The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. You can change insurers at any time, even if you just renewed your policy with another insurance company. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.
If you already have car insurance or rental car coverage through your credit card, rental car insurance may not be worth it. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. Car insurance coverages vary depending on individual and state needs, but almost all policies contain liability coverage. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway. In most cases, rental car insurance overlaps with your personal car insurance policy and you won't have to pay for duplicate coverage.
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