Capital One Card Member: How To Save on Car Insurance

Capital One does not offer car insurance, but there are several ways Capital One card member auto insurance savings can reduce your monthly expenses. It is essential to choose the best credit card for your lifestyle.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • There are three major credit cards offered by Capital One that offer car insurance savings
  •  Rental car insurance benefits are exclusively made available through the Capital One Platinum Mastercard and Capital One QuickSilverOne Rewards
  • Expenses from Capital One auto benefits are charged to a member’s credit card

Did you know that by having a Capital One credit card, you can save on car insurance? Capital One has three major credit cards that offer unique savings for its cardmembers. There are seven major auto benefits that can help you reduce monthly auto insurance expenses, so you can allocate that money towards other things, such as an interior cleaning or a new paint job.

In this article, we will share the strategies you can use to save money on auto expenses with your credit card. Several exciting Capital One card member auto insurance savings are just waiting to be discovered.

Before you unlock savings with Capital One Card member auto insurance, enter your ZIP code to compare auto insurance rates now.

Identifying Capital One Card Member Auto Insurance Savings

The first step you should take before buying auto insurance from a well-known company is to consider the options that may already be available to you through an affiliation, club, or even your credit card. Your commitment to these companies can provide you with better discounts than the average car insurance company.

However, some work must be done on your end before diving into all the benefits your Capital One card has to offer. For starters, you should be aware of your credit score and what kind of benefits the company offers so that you can assure that your current auto insurance policy meets state requirements.

You can look for key factors to make sure you will get the most out of your Capital One credit card for you and your automobile expenses.

  • Choose the right Capital One credit card.
  • Read the terms and conditions.
  • Maintain the required credit score for eligibility.

The more you know about your Capital One credit card, the more you can potentially save on your car insurance and more.

Types of Capital One Credit Cards

There are over three major types of Capital One credit cards available. Although some may offer greater opportunities for savings than others, each serves a unique purpose for its card members. From a credit card that helps consumers build credit to one designed to maximize airline rewards, Capital One credit cards offer many benefits for you and your vehicle.

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Best Credit Cards for Capital One Card Member Auto Insurance Savings

When it comes to Capital One Card member auto insurance savings, all of the company’s credit cards aren’t created equal. While some cards may be more automobile-centric, others may focus on providing savings on flights or hotels. Learn more about each card so that you can choose wisely.

Capital One Credit CardCredit Card TypeCredit Score RequiredAPR
Capital One Platinum MastercardMastercard640+26.99%
Capital One QuickSilverOne RewardsMastercard (can be a Visa)580+14.99%-26.99%
Capital One Venture RewardsVisa700+14.99%-26.99%
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The amount of savings each cardholder receives will depend on which Capital One credit card is selected.

Capital One Platinum Mastercard

The Capital One Platinum credit card is exclusively made available as a Mastercard and has no annual fee.

Capital One Platinum card benefits make it possible for members that have fair credit or are in the process of rebuilding their credit to enjoy Capital One Card member auto insurance savings, too.

Capital One QuickSilverOne Rewards Card

The Capital One QuickSilverOne Rewards credit card is typically offered as a Mastercard, but it can also be available as a Visa card.

Capital One Quicksilver benefits for car rental is only one of several card options for members to save money on auto expenses. Since most QuickSilver credit cards at Capital One do not require an annual fee, you can allocate those savings towards more important things, like your car insurance bill.

Capital One Venture Rewards Card

The Venture Rewards card by Capital One is a great option for customers who are thrill-seekers that are typically on the go. This credit card comes as a Visa card, and its annual fee can range from $0-395.

Some Capital One Venture Rewards card benefits differ from what the company’s other credit cards offer members. Depending on the Venture card you have, you can earn up to an unlimited two miles per dollar, 10 times the miles on hotels and rental vehicles, or five times the miles on flights booked using your credit card.

Save Money Using Capital One’s Roadside Assistance

Instead of adding roadside assistance to your insurance coverage, save money and take advantage of the roadside assistance services provided by Capital One.

Master RoadAssist Service is a roadside assistance program Capital One offers its members to help you save on car insurance. It is available for Capital One Venture Rewards and Capital One QuickSilverOne Rewards cardholders. Although the benefits can vary per card, it typically includes a few key benefits.

  • Fuel delivery
  • Jump-start service
  • Lockout service
  • Tire changing service
  • Towing and winching

Capital One adds all roadside assistance fees directly to your credit card. This helps make the process a more seamless experience.

Save Money Using Capital One’s Travel Accident Insurance

A Capital One credit card can save you money and save your life. According to the Journalist’s Resource, the annual risk of dying in a transportation-related accident is 1 in 6,800. As a result, the company automatically provides its members with 100,000 worldwide automatic travel accident insurance. Since it’s free, Capital One members don’t have to bother spending their money on this service elsewhere.

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Use Capital One’s Cash Back Rewards

The cash back rewards program can help you lower your buying auto insurance by collecting extra money that you can allocate towards your car insurance expenses. Selecting a Capital One QuickSilverOne Rewards credit card can accumulate a percentage of cash back on select purchases. These can be redeemed as cash so that you can allocate your earned income towards car insurance expenses. If other automobile benefits have been applied to your Capital One credit card, you can also use your cash back savings to pay it down.

Capital One Offers Rental Car Insurance

If you have ever wondered, does the Capital One Platinum Card have rental car insurance? The answer is yes. If you are a Capital One Platinum Cardholder and would like to rent a vehicle for 15 days or less, you will be eligible for rental car insurance if you use your card. This is one way your Capital One card membership can help you save on car insurance.

Whether you have Capital One QuickSilverOne rental car insurance or your rental insurance is from your Platinum Card, the benefits you can expect to receive are the same. If any of the following scenarios occur while covered with Capital One rental car insurance, the company will typically cover them.

  • If your vehicle has been stolen ( the amount cannot exceed the limits outlined in your terms)
  • If your car has damage (the amount cannot exceed the limits outlined in your terms)
  • If your vehicle has been towed to a nearby collision repair facility

Capital One’s car rental insurance does not provide personal injury coverage, personal liability coverage, or personal property coverage. Instead of hopping in your car and driving up its mileage on your next trip, consider trying out the Capital One QuickSilverOne benefits for car rental insurance or the insurance offered by Capital One Platinum card.

Filing a Claim

Have you been in an accident? If you have to file a Capital One rental car insurance claim, contact a Sedgwick Claims Management Services benefit administrator to get started. Although Sedgwick Claims Management Services is not a Capital One insurance company, its agents are trained to handle Capital One’s claims and risk management services.

Whether you are in the United States or traveling internationally, the company provides domestic and international telephone numbers for you to reach them.

Capital One rental car insurance claims must be filed within 45 days of the incident. After filing a claim,After filing a claim, you must follow up and provide a series of documentation to complete the process.

  • A signed and completed claim paperwork
  • A copy of your driver’s license
  • A receipt of the vehicle rental
  • A copy of any additional auto insurance coverage
  • A repair estimate report from a qualifying auto repair shop
  • Any other proof or helpful information that you can provide the company

All of the necessary information required must be provided no later than 180 days after the incident.

Check Your Credit Score With CreditWise

Since your credit score is a factor insurance companies consider when determining your car insurance rate, a smart way to save on car insurance would be to check your credit score beforehand. To get the best auto insurance rates, you will need a credit score that is either “good” or better. According to Discover, a good credit score falls between 670 and 739.

Regardless of which credit card you choose, all Capital One members can access CreditWise. This app is exclusively made available via Capital One, and it allows its members to monitor their credit scores. It is powered by information reported to the TransUnion credit bureau, and your score is updated every month. Staying in the loop on your credit score can help you save a load of money when you’re shopping for the best car insurance rates.

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An Overview of Capital One Card Member Auto Insurance Savings

Although Capital One has an assortment of benefits that can help make car insurance more affordable, you should also consider a few things to ensure that it would be a good match with your lifestyle. Are you uncomfortable with paying for everything on your credit card? If so, Capital One may not be the best choice for you.

Whether you are drawn to Capital One’s QuickSilver benefits for car rental insurance or its free worldwide travel accident insurance, there is something for every member to enjoy.

You are not ready to experience Capital One card member auto insurance savings until you explore the market. Enter your ZIP code to start comparing auto insurance rates today.

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