It depends on the policy you hold with allstate. But remember that if anything happens to the SUV you rent, your insurance will end up going up.
When you rent from a car rental compny they offer you insurance, for like $9 a day you can cover the vehicle bumper to bumper with no deductible, and you dont have to contact your insurance if nothing happens. thats the best bet.
I used to work for 2 car rental companys, and it really is easier just to get the insurance through the comapny like that.
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