USAA does not offer rental insurance as a separate product. However, USAA members can save money on rental cars from a variety of major companies, including Avis, Budget, Enterprise, and Hertz. Discounts can range from 15% to 35%, depending on the company and the rental location.
In addition to discounts, USAA members also receive other benefits, such as:
- Fee waivers for young drivers and additional drivers
- Primary liability coverage included
- Unlimited mileage on most vehicles
To take advantage of USAA rental car discounts, members simply need to book their rental through the USAA website or mobile app. They can also call USAA Member Services at 1-800-531-USAA (8722) and mention that they are a USAA member.
If you are a USAA member and you are looking for rental car insurance coverage, you have a few options:
- Purchase a protection plan from the rental car company. Many rental car companies offer protection plans that can cover physical damage to the rental car, liability coverage, and other expenses.
- Use your personal auto insurance policy. Some personal auto insurance policies may cover rental cars. However, it is important to check with your insurance company to be sure.
- Purchase a travel insurance policy. Many travel insurance policies include rental car coverage.
When choosing rental car insurance coverage, it is important to consider your individual needs and risk tolerance. If you are a renter, you should consider the value of the Turo vehicle and your ability to afford the deductible in the event of an accident. If you are a host, you should consider the value of your own vehicle and your ability to afford repairs if the vehicle is damaged while rented out.
Here are some tips for saving money on rental car insurance:
- Compare rates from different companies. There are a number of websites that allow you to compare rates from different rental car companies.
- Book your rental in advance. Rental car companies often offer discounts for rentals that are booked in advance.
- Consider purchasing a protection plan from the rental car company. Protection plans can cover physical damage to the rental car, liability coverage, and other expenses. However, it is important to compare the cost of the protection plan to the cost of purchasing rental car insurance through another company.
- Use your personal auto insurance policy. If your personal auto insurance policy covers rental cars, you can save money by using your own insurance instead of purchasing a protection plan from the rental car company.
- Purchase a travel insurance policy. Many travel insurance policies include rental car coverage. If you are planning a trip, it may be worth purchasing a travel insurance policy to protect yourself from unexpected expenses, such as lost luggage, medical bills, and rental car damage.