Are you worried that you won’t know how much insurance you need when you get to the rental car counter? Does your Allstate car insurance cover rental cars?
The good news is that if you have Allstate auto insurance for your own car, your rental car should also be covered. However, there are a few reasons why you might want to purchase additional coverage. In particular, if you drive an older car, you will want to double check your coverage limits.
Renting a car can be necessary if your vehicle is in the shop or totaled after an accident But rental costs add up quickly Allstate auto insurance offers options to cover rental cars that provide protection and peace of mind. This guide will explain Allstate’s rental car coverage in depth so you know how to get complete rental protection.
We’ll cover:
- How rental reimbursement coverage works
- Steps to get rental coverage after an accident
- Options for expanding your rental benefits
- Tips for minimizing rental costs
- Why rental coverage is worth adding to your Allstate policy
Rental Reimbursement: Allstate’s Basic Rental Coverage
Allstate’s base auto policies include rental reimbursement coverage that helps pay rental costs if your car is undrivable after a covered loss Here’s an overview of how it works
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Covers up to $30 per day, up to 30 days – Allstate will reimburse you up to $30 per rental day for up to 30 days while your car is repaired or replaced.
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Applies after deductible is met – You pay for rental costs out of pocket until you meet your policy deductible, then Allstate’s payments kick in.
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Pays after primary coverage – If you have rental coverage through your credit card or another policy, Allstate will pay secondary amounts after that primary coverage is exhausted.
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Covers comprehensive/collision losses – Rental reimbursement applies for losses stemming from theft, vandalism, weather events, collisions, and most other covered comprehensive or collision claims.
While it provides basic protection, the 30 day / $30 per day limits mean large out-of-pocket costs are still possible with just standard reimbursement coverage.
Steps to Get Rental Coverage After an Accident
Follow this process if you need a rental car after a covered loss:
Step 1: Report accident to Allstate within 24 hours and file a claim.
Step 2: Take photos of damage and get a repair estimate.
Step 3: Call your Allstate agent to discuss rental coverage options and ask for a rental authorization number.
Step 4: Rent a “mid-size” class car from an authorized agency. Luxury cars aren’t covered.
Step 5: Review rental agreement for double coverage and remove unneeded extras like GPS.
Step 6: Save rental receipts and send copies to Allstate claims department for reimbursement.
Options for Expanding Rental Coverage
Allstate offers a few upgrades if you want more robust rental protection:
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Increased limits – You can choose higher daily ($40-$100) and maximum limits (45-90 days) for greater reimbursement.
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Rideshare coverage – If you drive for Uber/Lyft, add Allstate’s rideshare coverage to get rental reimbursement while your car is repaired after an accident during ridesharing.
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Rental car insurance – Allstate’s rental car insurance provides primary coverage when you rent for personal reasons like a vacation. It covers liability and damages to the rental car.
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Roadside Advantage – Allstate’s roadside assistance program includes some rental perks like coverage for breakdowns and deliveries of rental cars.
Talk to your Allstate agent about enhancing rental protection to suit your needs. Having more coverage can really pay off.
Tips to Minimize Your Rental Expenses
Here are smart tips to make sure you don’t overpay when renting a car:
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Opt for a mid-size sedan over a larger vehicle unless you absolutely need the extra room.
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Rent from an approved facility that Allstate works with if possible to streamline claims.
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Review the rental agreement closely to decline unneeded add-ons like prepaid fuel or GPS.
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Use a credit card that provides primary rental coverage to pay for the rental if possible. Stack benefits wisely.
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Track miles driven and return the car promptly when no longer needed to avoid daily overage fees.
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Take photos when picking up and dropping off the vehicle to document condition.
Why Quality Rental Coverage Matters
There are a few key reasons it pays to have robust rental reimbursement protection:
Saves you money – Rental costs add up rapidly. Good coverage limits out-of-pocket rental expenses.
Provides transportation – A rental keeps you mobile while your car is being repaired after an accident.
Convenience – Allstate handles setting up the rental car for you and manages claims paperwork.
Covers all circumstances – Rental reimbursement applies after any covered loss, whereas credit card benefits may be more limited.
Peace of mind – With Allstate rental coverage, you can focus on recovery – not worrying about affording a rental.
Review your Coverage and Know your Options
If an accident puts your car in the shop, rental coverage can be a lifesaver. Take time now to review your Allstate policy and talk to your agent about the best rental protections for your situation. Being prepared with quality coverage means less financial stress at a time when you need to focus on getting your car fixed and life back to normal. Allstate has your rental needs covered.
What to Know About Allstate and Rental Cars
As always when renting a car, it’s a good idea to take a look at your existing policy to find out exactly what coverage you have. Typically, you’re covered in a rental car to the limits of your own policy. That means if you drive a brand new SUV and rent a compact car, you’re good to go. But if you drive an older, less valuable car and rent a brand new model with many bells and whistles, it may get tricky.
If you decide you need more protection, check to see if your credit card comes with primary or secondary rental car insurance. You could buy the collision damage waiver (CDW) or loss damage waiver (LDW) at the rental car counter, or you could look into third-party insurance options that are more affordable.
Should You Buy Extra Rental Car Insurance? | Allstate Insurance
FAQ
Does Allstate cover rental cars when the car breaks down?
Does my car insurance cover rental cars internationally?
Does Allstate cover if you hit a deer?
Does Allstate renters insurance cover dog bites?
Does Allstate auto insurance cover a rental car?
The good news is that if you have Allstate auto insurance for your personal vehicle, you are likely covered for your rental car. However, there are a few reasons why you might want to purchase additional coverage. In particular, if you drive an older car, you will want to double check your coverage limits.
Does Allstate offer rental reimbursement?
Allstate’s rental reimbursement coverage can be added to your auto policy for a small additional premium. This provides reimbursement for rental expenses if your personal vehicle is out of commission due to a covered loss. Here are key points about Allstate’s rental reimbursement:
How long does Allstate cover a rental car?
Allstate will typically cover rental car expenses for up to 30 days. But the duration is usually less than that—either the mechanic gets your vehicle back in driving shape or the claims adjuster deems your vehicle a total loss. However, in the latter instance, Allstate may extend rental coverage while you shop for a new car. .
Does Allstate pay for a car rental if you’re out of commission?
This provides reimbursement for rental expenses if your personal vehicle is out of commission due to a covered loss. Here are key points about Allstate’s rental reimbursement: Covers up to $30 per day, $900 max – Allstate will reimburse you up to $30 per day for a rental, up to a maximum limit of $900 per covered loss.