Your Progressive car insurance covers rental cars to the same limit.

Does car insurance cover rentals on vacation. That means if you drive a brand new Audi and rent a compact car youre good to go. Next theres your credit card. Generally rental companies will offer a loss-damage waiver or collision-damage waiver liability insurance personal accident insurance and personal effects coverage.

Read your cards fine print. Insurance you buy from the rental agency. Here are a few questions to ask your agent about insurance and rental car coverage.

If you have a personal car insurance policy it includes liability coverage and any additional coverage youve opted for such as comprehensive or collision. The caveat is that this coverage extends to the same limits of your personal auto insurance policy. Ii Your credit card may include free collision damage coverage but credit card rental car insurance is typically secondary coverage meaning any claims will go first to your auto insurance.

So its a good idea to clarify with your insurance company beforehand. CDW or LDW is not an insurance policy by signing the agreement youre paying the car rental agency to waive its right to pursue you for damages or losses. The answer to whether youre already covered is yes.

Get in touch with your independent insurance agent to verify your coverages. Keep in mind you need to have full coverage on your personal vehicles in order to have the full coverage extend to a rental car. That means if you carry comprehensive and collision coverage on your daily ride youll be protected against physical damage to your rental car.

You know - youre on vacation and when you go to pick up the rental at the airport they want to charge you an arm and a leg to insure the vehicle. Depending on the insurer full coverage may or may not extend to cover rental cars. Most cards offer some degree of coverage but it varies widely.