You can easily stick with the same company when leasing a car. But you don't know that you might end up paying too much for your coverage and looking for lower rates elsewhere.
The car you are driving when you rent belongs to the leasing company. You want to ensure that your investment is covered in case the vehicle is damaged, totaled or stolen. Usually they want to cover the difference between what your car insurer pays and the leasing obligations you incurred during an accident or damage. This is called Guaranteed Auto Protection (GAP), and is usually part of the rent agreement.
If your leasing company is known as BMW Financial Services, Chrysler Financial Service, or any of the financial sectors of your automaker, your insurance is offered by the same leasing company.
You are not required to accept GAP insurance as part of your lease agreement. What if you can get the same coverage at a lower price, why pay an insurance premium?
Invest some time in shopping by comparing quotes from other insurance companies, including your existing ones. Ask for discounts that are already eligible for your coverage and modify it accordingly.