Where to Start
Approach the rental counter with confidence knowing whether you really need to get the supplemental insurance offered by the rental car company. Car insurance group Progressive offers these tips to help you make a smart decision.
• Before you leave on your trip, call your agent or insurance company. They'll give you the details for your policy.
Generally, if you have liability and physical damage coverages, there's a good chance you don't need to buy the
If you review your policy, you might see a coverage called rental reimbursement
listed. Keep in mind that this coverage doesn’t protect you in a rental car; rather,
it pays for a rental in case your car needs to be repaired following a claim.
• Check with your credit card company. Some credit cards provide free coverage if you use their card to pay for the
rental. This coverage applies in many, but not all situations, so be sure to ask for an exact description of what's
• If you end up choosing to buy insurance from the rental car company, check to see what's covered. If personal
effects aren't covered, they'll likely be covered by your homeowners or renters insurance. You may also want to
bring a copy of your insurance declarations page with you as a reference.
If you don't need supplemental insurance, pass it up and put the money towards your trip.
For more information, talk to your independent agent or broker.