Planning a trip and considering renting a car? Before you opt for the rental company’s insurance, it’s important to understand what your current auto insurance policy covers. At Front Range Insurance Services in Littleton, CO, we often get this question, and knowing the answer could save you money and hassle.

Does Your Auto Insurance Extend to Rental Cars?

In many cases, yes. If you have full coverage—including both collision and comprehensive—on your personal vehicle, it’s likely that your policy will extend to a rental car. This means that if the rental is damaged in an accident or stolen, your policy may help cover the loss. Additionally, liability coverage typically carries over, covering damage to other vehicles or property if you’re at fault in an accident.

What About Additional Fees?

Here’s where things can get complicated. Rental car companies often impose extra fees, such as "loss of use" charges or diminished value costs if the car is damaged. Your personal auto insurance policy may not cover these fees. This is one reason why some people choose to purchase the supplemental insurance offered by the rental agency, even if their personal policy covers the basics.

Should You Opt for the Rental Company’s Insurance?

It depends on your comfort level with risk and the specifics of your current policy. If you’re driving in unfamiliar areas or want extra peace of mind, the additional coverage might be worth it. However, in most cases, drivers with a comprehensive auto policy already have sufficient protection.

Before you hit the road, contact Front Range Insurance Services in Littleton, CO. We’ll help you review your coverage and ensure you’re protected—whether you’re driving your own car or a rental.