Yes, Geico offers car rental insurance. If you already have a personal car policy with Geico 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 Geico, physical damage to the rental vehicle will not be covered. When you buy comprehensive coverage, you don't have to choose a limit like you do with other plans.
Instead, coverage will generally cover the value of your vehicle, minus the amount of the deductible. Yes, Geico policyholders get discounts of up to 20% to 50% at popular agencies such as Enterprise, Alamo, Hertz and National Car Rental. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company. While each standard auto insurance company has its own criteria for covering rental cars, some situations are generally excluded.
However, Geico's comprehensive and collision coverage limits may not be high enough if you rent a car worth much higher than your personal vehicle and the car is completely liquidated. Keep in mind that not all states require car rental companies to automatically provide mandatory minimum insurance coverage. You can talk to a Geico customer service representative at 1 (800) 207-7847 to see if your personal policy will be extended to your rental car. If you don't have enough coverage through Geico to cover your rental car, you can buy insurance from your car rental company or see if your credit card company offers it.
Geico also offers rental car reimbursement coverage, which helps pay the cost of renting a car while your personal vehicle is being repaired for a covered claim. If you have liability, comprehensive or collision coverage in your Geico policy, they will be transferred to your rental car. Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car. First, you can choose the right level of coverage by considering your state's insurance requirements and creditors' insurance requirements.
