Zipcar insurance12/25/2023 ![]() Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Advertised example rates are returned based on the driver's self-reported data, by comparing their current reported premium against their new policy premium, and the driver meeting certain criteria. * is not affiliated with any state or government agency. Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking. Compensation may impact where the Sponsors appear on this website (including the order in which they appear). Personal policies typically exclude coverage for peer-to-peer car sharing networks, so it’s advised you buy the insurance offered by Turo and Getaround if you use those services.ĭisclaimer: The advertisers appearing on this website are clients from which QuinStreet receives compensation (“Sponsors”). Renters using Turo and Getaround book cars owned by other people, in most cases. Zipcar is owned by Avis and uses a fleet of cars parked in residential areas. Zipcar differs from some new players in the car-sharing space, for instance Turo and Getaround. One such use is “driving while texting, e-mailing, using a cellphone without a hands-free device or otherwise engaging in similar activities that may be prohibited by applicable law.” Rental car agreements vary in what voids out the contract, but with Zipcar, if a member engages in very specific “prohibited uses” of the vehicle he or she won’t be covered by the insurance policy. And, if a properly insured third party is found to be 100 percent at-fault, then you’re off the hook for the damage fee. Members age 21 or older who have been accident-free for at least the last 12 months have an option to purchase a damage fee waiver (DFW) that will reduce or eliminate the damage fee.Unavoidable events, such as hail, wind, flood, etc., that cause damage while the car is in your care.Vehicle damage claims for things like dents, scratches, flat tires, cracked windshield, dead battery, vandalism or theft. ![]() Also, a damage fee of up to $750 is due for: Drivers are personally responsible if costs for damages or injuries exceed Zipcar insurance coverage limits. Zipcar members don’t get away scot-free even with this auto insurance coverage. The Zipcar itself is covered under a comprehensive vehicle collision policy, when driven by a Zipcar member.Personal injury protection (PIP) coverage that can be used for injuries the driver sustains in an auto accident is provided, at statutory limits.Drivers under age 21 are provided only state car insurance limits (instead of $300,000 CSL).This is third-party liability coverage that will cover the costs of bodily injuries and/or property damage if a Zipcar member is at fault. A combined single limit (CSL) of $300,000 per accident for drivers 21 years of age or older.If you already own a car, many – but not all - car insurance policies extend your coverage to the rental.Ĭonversely, the hourly or daily rate at Zipcar, the nation’s largest car-sharing service, includes: These coverages don’t come cheap: Each type of insurance costs anywhere from $12 to $20 a day.Īnd if you are injured in an accident you cause, the cost of medical care isn’t covered unless you have your own health insurance. Collision coverage is optional - though going without leaves you personally liable for damage to the rental if you wreck it. If you don’t own a car already, you’ll usually need to buy the liability insurance from the rental agency. With a rental car, you can’t drive without at least having liability coverage. You must provide insurance and fuel on your own or pay extra fees (that are typically rather high) to have the rental agency provide them for you.įor drivers who don’t already own a car, the difference between these types of rentals can be huge. With a traditional rental, the car is yours from the time you pick it up until the time you drop it off, even if it sits most of that time. Rates are hourly, miles are limited and the price includes insurance and fuel. You book in advance by smartphone, and you don’t need to go to the airport because cars are typically placed in neighborhoods. Is there a difference between a rental car and a car-sharing service?Ī car-sharing service such as Zipcar caters to those who occasionally need wheels for a few hours at a time and don’t need to travel far it’s an alternative to owning or renting a car.
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