If you’re driving for Uber, Lyft, DoorDash, Instacart, Amazon Flex, or any other gig economy platform, chances are you’re already thinking about how to maximize your earnings — and one major expense that can eat into your profits is auto insurance.
At LA Elite Rentals, we specialize in cheap rental cars for rideshare and delivery drivers in Los Angeles. Today, we’re sharing actionable tips to help you save money on auto insurance while still staying covered and legal on the road.
1. Choose a Rental That Includes Insurance
One of the easiest ways to save money and time is to rent a car that already includes commercial rideshare insurance. Many personal auto insurance policies do not cover accidents that happen while you’re working on gig platforms.
👉 LA Elite Rentals offers rental cars for Uber and DoorDash that come with insurance, so you don’t have to shop around or worry about gaps in coverage.
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2. Compare Rideshare Insurance Add-Ons
If you’re using your own car, call your insurer and ask about a rideshare or delivery driver add-on. It’s often cheaper than getting a full commercial auto policy. Some top companies offering this include:
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Progressive
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GEICO
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State Farm
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Allstate
You’ll still need personal coverage, but these add-ons bridge the gap when you’re online with Uber, Lyft, or food delivery apps.
3. Skip Insurance Fees With Weekly Rideshare Rentals
Instead of buying insurance separately, consider a weekly rental program for delivery drivers where coverage is included in the flat rate. This is ideal if you’re doing gig work short-term or want to avoid unexpected maintenance costs.
At LA Elite Rentals, our low-cost rideshare rental cars include insurance, maintenance, and routine inspections — no extra fees.
4. Maintain a Clean Driving Record
Your driving history heavily impacts your insurance rates. A clean record can save you hundreds per year.
Tips to lower your risk profile:
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Avoid speeding and distracted driving
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Stay off the road during extreme weather
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Use GPS and dashcams to support your driving habits
Good drivers = lower premiums.
5. Use a Dash Cam for Protection and Discounts
Some insurers and rideshare platforms offer discounts or rewards for using dashcams, especially if it helps prove you’re not at fault in an accident.
Plus, it helps protect you from false claims — which can save you money long-term.
6. Rent an Economy or Hybrid Car
Smaller cars with high MPG and low repair costs are typically cheaper to insure. Models like the Toyota Prius, Kia Niro EV, or Chevy Spark are perfect for gig drivers.
👉 LA Elite Rentals offers a wide range of affordable economy cars for Uber, DoorDash, Instacart, and more — including hybrids and EVs.
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🔧 7. Bundle Insurance with Maintenance-Free Rentals
Surprise repairs can raise your costs if you’re using your own vehicle. With our rental cars for delivery and rideshare, maintenance is covered — so you’re not hit with unexpected repair bills that could also spike your insurance.
Final Thoughts: Save Smarter, Drive Safer
Being a rideshare or delivery driver in Los Angeles doesn’t have to mean sky-high insurance costs. Whether you’re looking for cheap rental cars for Uber in LA or want to drive for Instacart without owning a car, LA Elite Rentals has you covered.
Insurance included
No maintenance costs
Weekly flexibility
Rideshare and delivery approved
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📞 Ready to hit the road? Contact us today to find the best rental car for your gig driving needs in Los Angeles — and drive smarter, not harder.
