If your driving had been without any accidents in the previous 3 years, you are granted an immediate discount of 5 % by most auto insurers. (autoquotenow.com)
Depending on your policy, most auto insurers cover the occasional use of a rental car up to your liability limit for injuries and property damage that you cause to others as a driver. (rmiia.org)
But you should understand what factors most auto insurers consider when evaluating you and developing your premium. (valuepenguin.com)