Your personal car insurance will cover most rental cars with the same coverage limits and deductibles. For example, if your car policy includes comprehensive and collision coverage, you'll be protected against physical damage to the rental vehicle. Your liability coverage will also apply when you get behind the wheel of your rental vehicle. No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada.
Your policy will not cover international travel outside Canada. Whether you're on vacation out of state or taking a long road trip, you can drive with confidence knowing that you're insured up to the limits of your policy. If you spend a significant amount of time out of state, the situation can get complicated when it comes to determining the state in which your insurance policy should originate. You may also need an additional policy if you store cars in two different states.
If the driver uses your car frequently or lives in your home, your insurer may determine that it should have been added to your policy as a driver. In that case, it may be reason enough for your insurance company to deny your claim. The policy will likely only cover you in the U.S. UU.
And in Canada, so you'll need a different policy when driving in every other country. Whether you're planning to cross a border or rent or buy a car abroad, you have many options for getting the international auto insurance coverage that each country requires. With so many unknowns associated with driving abroad, consider getting the highest liability coverage you can afford, especially if traffic regulations and driving behaviors are drastically different from what you're used to in the U.S. Learn more about auto insurance coverage in the U.S.
Request a car insurance quote in Mexico online or call 1-877-537-7878 to speak with a MexPro specialist. The policy automatically covers you in Canada, whether you drive a rental car or your own car. Your policy covers you as long as you drive there and you don't need to tell your insurance company. Learn more about driving in Canada.
Whether you're driving in Ireland, Spain, or anywhere else, regulations and requirements vary for temporary international car insurance in foreign countries. That's why it's best to get a car insurance policy abroad that's specific to the country or countries you're visiting. Look for an insurance company that specializes in auto insurance for the specific country you're visiting or moving to. The requirements can vary greatly from country to country, and a specialized company can help you buy the right international car insurance coverage.
If you're going to vacation in another country for a short period of time, it's usually easier to get international rental car insurance coverage through the car rental agency. Research the countries you plan to visit to learn about each country's specific rental car insurance requirements. For example, international car insurance in Italy requires foreign car renters to purchase the collision damage exemption offered by the car rental company. The embassy is a good starting point for your investigation.
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Refer consumers seeking auto insurance in Mexico to a surplus line broker (International Insurance Group, Inc. Or IIG) for placement in certain Mexican insurers. IIG and insurers are not affiliated with Progressive. Insurers are companies with surplus lines and are not backed by any state insurance guarantee fund if they become insolvent.
If you already have car insurance or rental car coverage through your credit card, rental car insurance may not be worth it. Rental car insurance is independent coverage offered by a rental car company, while rental car reimbursement coverage is optional coverage that you can add to your personal auto insurance policy to help pay for the costs of renting the car while the vehicle is being repaired after an accident. There may be situations where it's worth adding rental car insurance, so it's important to review your personal car coverages. If you have a child at a college in another state who has a car on campus, they may need a different car insurance policy for another state, depending on the state in which they go to school.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. This is known as rewriting your policy for another state; if your car moves with you, it helps you avoid paying for independent insurance coverage outside of the state that isn't necessary. .