One option on your auto insurance coverage covers the cost of a rental car if your vehicle is damaged in an accident and will be in the repair shop for an extended period of time. Rental car insurance coverage is definitely optional coverage, but can help defray additional costs in the aftermath of your accident.

As with any other part of your auto insurance coverage plan, rental car reimbursement or payment rates will vary from zip code to zip code. Your best bet is to know the amount you will be paid under the plan, and plan on driving a compact or economy-size vehicle for the duration of the rental agreement.