Progressive Rental Car Insurance: Everything You Need to Know

Renting a car can be a great convenience, but it can also be stressful if you’re not properly insured. Fortunately, Progressive offers rental car insurance that can give you peace of mind and protect you in case of an accident or other mishap. In this article, we’ll explain everything you need to know about Progressive rental car insurance, including what it covers, how much it costs, and how to buy it.

What is Progressive rental car insurance?

Progressive rental car insurance is an optional insurance coverage that you can purchase when you rent a car. It provides coverage for damage to the rental car as well as liability coverage for any property damage or injuries you may cause while driving the rental car.

Unlike the insurance offered by rental car companies, Progressive’s rental car insurance is a stand-alone policy that you can purchase separately from your regular car insurance policy. This means that you can choose the amount of coverage you need and customize your policy to fit your specific needs.

What does Progressive rental car insurance cover?

Progressive rental car insurance covers a range of events that can occur while you’re driving a rental car. Some of the things it covers include:

It’s important to note that there are some exclusions to the coverage provided by Progressive rental car insurance. For example, it does not cover damage to the rental car caused by driving under the influence of drugs or alcohol, or damage caused by racing or other illegal activities.

How much does Progressive rental car insurance cost?

The cost of Progressive rental car insurance depends on a variety of factors, including the amount of coverage you choose, the duration of your rental, and the type of car you’re renting. Generally, you can expect to pay anywhere from $9 to $20 per day for rental car insurance from Progressive.

It’s worth noting that rental car companies often offer their own insurance policies, but these can be much more expensive than Progressive’s stand-alone policy. In some cases, rental car companies may charge as much as $40 per day for their insurance coverage, so it’s always worth shopping around to find the best deal.

How to buy Progressive rental car insurance

If you’re interested in purchasing Progressive rental car insurance, the process is fairly simple. You can either purchase the coverage online or over the phone, and you’ll need to provide some basic information about yourself and your rental car.

When purchasing rental car insurance from Progressive, it’s important to have all of the information about your rental car handy. This includes the make and model of the car, the rental company you’re using, and the dates of your rental period.

Frequently Asked Questions

Do I really need rental car insurance?

While rental car insurance is not required by law, it can provide valuable protection in case of an accident or other mishap. If you have comprehensive and collision coverage on your regular car insurance policy, you may already be covered for damage to the rental car. However, liability coverage may not be included, so it’s always a good idea to check with your insurance company before renting a car.

Can I use my credit card’s rental car insurance instead?

Many credit cards offer rental car insurance as a perk, but the coverage provided by these policies can vary widely. It’s important to read the fine print and understand exactly what is covered before relying on your credit card’s insurance. In some cases, you may need to decline the rental car company’s insurance in order to be covered by your credit card’s policy.

What happens if I get in an accident while driving a rental car?

If you get in an accident while driving a rental car, the first thing you should do is make sure that everyone involved is safe and call the police if necessary. Then, you should contact your insurance company and the rental car company to report the accident. If you have rental car insurance from Progressive, you’ll be covered for the damages up to the limits of your policy.

What if I don’t have rental car insurance and I get in an accident?

If you don’t have rental car insurance and you get in an accident while driving a rental car, you may be personally liable for any damages or injuries that occur. This can be a costly mistake, so it’s always a good idea to purchase rental car insurance before you hit the road.

Can I purchase rental car insurance after I’ve already rented the car?

In most cases, you can purchase rental car insurance from Progressive after you’ve already rented the car. However, some rental car companies may require that you purchase their insurance policy at the time you rent the car, so it’s always a good idea to check with the rental car company before you pick up the car.

Conclusion

Renting a car can be a great convenience, but it can also be stressful if you’re not properly insured. Progressive offers affordable and customizable rental car insurance policies that can give you peace of mind and protect you in case of an accident or other mishap. By understanding the coverage provided by Progressive rental car insurance and shopping around for the best deal, you can drive your rental car with confidence and enjoy your trip to the fullest.