Your personal auto policy with Progressive can cover you while you're driving a rental car, up to the extent of the coverage you have for your own vehicle. For example, if you have comprehensive coverage for your car, that protection will extend to most rental vehicles. When you receive a quote for a new insurance policy, the agent or insurer can pre-select coverage limits or present you with some options. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. Others may be looking for the convenience of mobile apps or a company that offers the most discounts on auto insurance.
During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired. The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims.
Illinois car insurance laws only require that you insure yourself against bodily injury and property damage, so it's your choice if you want to add coverage for yourself, your passengers and your vehicle. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.