Raising your Insurance Limits


A Comprehensive Guide to Checking and Raising Your Auto Insurance Limits for Car Rentals

When it comes to renting a car, having the right insurance coverage is crucial for your peace of mind and financial protection. Many car rental companies require renters to provide proof of personal auto insurance with specific liability limits. One of the most common requirements is coverage at 100K/300K/100K. In this blog post, we’ll walk you through the process of checking your current insurance limits and steps to raise them to meet the necessary requirements for renting cars.

Understand Your Current Auto Insurance Coverage:

Before making any changes, it’s essential to understand your current auto insurance coverage. Your insurance policy will have specific liability limits, typically represented as three numbers (e.g., 25K/50K/25K). The first number represents bodily injury liability per person, the second is bodily injury liability per accident, and the third is property damage liability per accident. If your policy does not meet the required 100K/300K/100K limits, it’s time to consider raising them.

Assess Your Insurance Needs:

Raising your auto insurance limits may come with increased premiums. Before proceeding, assess your insurance needs and budget. Consider factors such as your assets, potential financial risks, and the level of protection you desire. While higher limits provide more coverage, they may also result in higher premium costs.

Contact Your Insurance Provider:

To raise your auto insurance limits, get in touch with your insurance provider. Reach out to their customer service or contact your insurance agent directly. Inform them that you are interested in increasing your liability limits to 100K/300K/100K for car rental purposes.

Review the Policy Changes:

Your insurance provider will provide you with a new policy quote that reflects the raised liability limits. Review the changes carefully to ensure they meet the required standards for car rentals. If you’re satisfied with the coverage and premium, proceed with the policy adjustments.  Note, you can usually downgrade these limits later if you want to lower your premiums back down to former amounts. 

Obtain Proof of Insurance:

Once your insurance policy has been updated to meet the required limits, obtain proof of insurance from your provider. This documentation is essential when renting a car, as rental companies will need to verify your coverage.  You can send this updated proof of coverage to Overdrive Car Rental to increase the speed at which you will be approved to drive!

Notify the Car Rental Company:

When renting a car, inform the car rental company, like Overdrive Car Rentals, that you have updated your personal auto insurance to meet the necessary 100K/300K/100K liability limits. Provide them with the proof of insurance before picking up the rental vehicle.  At Overdrive you can do this by emailing us at info@overdrivecarrentals.com and include your reservation number.


Raising your personal auto insurance limits to 100K/300K/100K is an important step in qualifying for car rentals that require specific liability coverage like Overdrive does for most rentals.  This also protects you as a consumer from having to pay additional costs out of pocket. By understanding your current insurance coverage, assessing your needs, and contacting your insurance provider, you can secure the right coverage for you to ensure that you don’t pay unnecessarily. Remember, having adequate insurance protection ensures a worry-free and enjoyable experience on the road.


By Joshua Carr

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