Renting a car for a trip in California or Texas? Knowing if your auto insurance covers rentals saves money and stress for USA drivers. Car insurance USA policies vary, so here’s what to know about auto insurance rental car coverage.
Does Your Policy Cover Rentals?
- Liability: Usually extends to rentals, meeting state minimums like Florida’s $10,000. A Georgia driver’s liability covered a rental accident.
- Collision/Comprehensive: May cover rental damage if on your policy. A New York driver saved $1,500 after a rental fender bender.
- Exclusions: Some policies limit rentals. A Michigan driver paid $800 for uncovered damage.
When to Buy Rental Insurance
- No Personal Policy: A Texas driver bought coverage for $15/day.
- Limited Coverage: A Florida driver added collision for $10/day.
- International Rentals: A California driver needed extra coverage abroad.
- High-Value Rentals: Protect luxury cars.
Costs
Rental insurance costs $10–$30/day. A New York driver saved $200 using their policy instead.
Tips
- Check Policy: A Georgia driver confirmed coverage, saving $150.
- Contact Insurer: A Michigan driver clarified limits.
- Review Rental Terms: A Texas driver avoided fees.
- Use Credit Cards: A California driver’s card covered damages.
- Compare Costs: A Florida driver saved $100 declining rental insurance.
Final Thoughts
Your auto insurance USA may cover rentals, but verify to avoid costs. Travel smart in Arizona or Ohio with the right protection. Visit DailyAutoBlogs for more tips!
