But if you have a 230,000-mile Chevy Spark and rent a luxury SUV, you may be underinsured. Yes, Liberty Mutual offers car rental insurance. If you already have a personal car policy with Liberty Mutual that includes liability, comprehensive and collision coverage, this insurance will likely be extended to cover your rental car. If you only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered.
Did you know that Comparion agents offer insurance from Liberty Mutual and many other companies? Agents can quote trusted insurance partners with products that cover your family, income and assets, such as a house, car, boat or jewelry. Our mission is to help you find the right insurance coverage at affordable prices. If you're involved in an accident and the car insurance company considers your car to be a total loss, Gap insurance will cover the difference between what you owe for the car and the value of the car after the loss. Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students.
Choosing your car insurance company is a personal choice and each one will offer different rates based on your age, driving history, credit rating and zip code. Keep in mind that if you drive a luxury vehicle, a classic or vintage car, or have a car with fewer security and anti-theft features, your car insurance rates may increase. Liability insurance for rental vehicles does not protect you or your rental car against collision damage, car theft, loss of personal effects, or injuries. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company.
Gap insurance is another option you should consider, especially if you're still paying off your car loan. If you have collision and comprehensive insurance with Liberty Mutual, it will normally cover any damage that occurs to the rental vehicle itself during the rental period. Liberty Mutual also offers rental vehicle reimbursement coverage, which helps pay the cost of a rental car while your personal vehicle is being repaired for a covered claim. Consider purchasing optional auto insurance coverage, such as towing services, rental car reimbursement and glass protection.
However, you may already have rental car insurance through your current insurance coverage or credit card. However, this can quickly get expensive, especially since liability insurance for the rental car is sold separately from other coverages. If you didn't do anything before renting the car, you can opt for collision damage exemption (CDW) at the counter to be safe or, better yet, save money by taking out affordable insurance from a third-party provider before leaving the rented car park. If you live in Syracuse's Jamesville, Skaneateles, or New Hartford neighborhoods with zip codes 13078, 13152, or 13413, expect to pay higher rates for your car insurance.
