Geico Rental Car Insurance: Everything You Need to Know

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Going on vacation is always an exciting adventure, but it comes with its own set of challenges. One of the biggest challenges is figuring out how to get around your new destination. While public transportation is an option, many travelers prefer to rent a car to explore their vacation spot. However, rental car insurance can be confusing and overwhelming. That’s where Geico comes in.

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What is Geico Rental Car Insurance?

Geico Rental Car Insurance is a type of coverage that protects you in case of an accident or damage to your rental car. It’s an extra level of protection that can give you peace of mind and help you avoid unexpected expenses. This insurance covers the cost of repairs or replacement of your rental car, as well as any liability you may face in case of an accident.

Geico Rental Car Insurance is only available to Geico auto insurance policyholders. If you already have a Geico policy, you can easily add rental car coverage to your policy. However, if you don’t have a Geico policy, you’ll need to purchase a policy before you can add rental car coverage.

How to Add Rental Car Coverage to Your Geico Policy

Adding rental car coverage to your Geico policy is a simple process. You can do it online, over the phone, or through the Geico mobile app. Here are the steps:

Step
Action
Step 1
Login to your Geico account or create a new account
Step 2
Select your policy
Step 3
Click on “Manage my policy”
Step 4
Select “Add vehicle” and enter your rental car information
Step 5
Select “Add coverage” and choose rental car coverage
Step 6
Verify your coverage details and submit your request

What Does Geico Rental Car Insurance Cover?

Geico Rental Car Insurance covers the following:

  • Physical damage to the rental car
  • Theft of the rental car
  • Towing charges
  • Loss of use charges
  • Diminution of value
  • Liability for damage to other people’s property
  • Liability for bodily injury or death to other people

Note that Geico Rental Car Insurance does not cover:

  • Personal belongings in the rental car
  • Personal liability for injuries to you or your passengers
  • Additional drivers not listed on the rental agreement
  • Driving outside the United States and Canada

How Much Does Geico Rental Car Insurance Cost?

The cost of Geico Rental Car Insurance varies depending on several factors, including:

  • Your driving history
  • Your age and gender
  • The make and model of the rental car
  • The rental car company
  • The location of the rental

On average, Geico Rental Car Insurance costs about $7 to $14 per day. However, this can vary widely depending on the factors mentioned above. It’s a good idea to get a quote from Geico before renting your car so you can budget accordingly.

FAQ

Do I Need Rental Car Insurance if I Have Geico Coverage?

If you have a Geico auto insurance policy, you may already have some level of rental car coverage. However, this coverage may not be enough to protect you in case of an accident or damage to your rental car. That’s why it’s a good idea to add Geico Rental Car Insurance to your policy if you plan on renting a car during your vacation.

Do I Need Rental Car Insurance if I Have a Credit Card?

Many credit cards offer rental car coverage as a perk. However, this coverage is often limited and may not be enough to protect you in case of an accident or damage to your rental car. It’s important to read the fine print of your credit card agreement to understand what’s covered and what’s not. If you’re not sure, it’s always a good idea to add Geico Rental Car Insurance to your policy for extra protection.

Can I Cancel or Change My Geico Rental Car Insurance?

Yes, you can cancel or change your Geico Rental Car Insurance at any time by contacting Geico customer service. However, keep in mind that if you cancel your rental car coverage, you’ll no longer be protected in case of an accident or damage to your rental car.

Is Geico Rental Car Insurance Worth it?

Geico Rental Car Insurance can provide valuable protection in case of an accident or damage to your rental car. While it does add an extra cost to your rental, it can give you peace of mind and help you avoid unexpected expenses. Ultimately, the decision whether to purchase Geico Rental Car Insurance is up to you and your personal situation.

How Do I File a Claim with Geico Rental Car Insurance?

If you’re involved in an accident or your rental car is damaged, you should contact Geico as soon as possible to file a claim. You can do this online, over the phone, or through the Geico mobile app. Geico will guide you through the claims process and help you get your rental car repaired or replaced.

Conclusion

Geico Rental Car Insurance is a valuable protection that can provide peace of mind during your vacation. It’s important to understand what’s covered and what’s not, and to add rental car coverage to your Geico policy before renting a car. With Geico Rental Car Insurance, you can explore your vacation spot with confidence, knowing that you’re protected in case of an accident or damage to your rental car.

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