Advantages of rental car insurance

Here are a few tips when it comes down to reviewing rental car insurance. Review your auto insurance policy or call your insurance agent before you rent a car. You don't want to pay extra money for coverage you already have. Most auto insurance policies will provide liability insurance if you injure someone in an accident. However, damages to the rental car are only covered under your policy's comprehensive and collision coverage. Make sure your auto policy includes this type of coverage. So if and when you rent a car, talk to your local broker and as for endorsement for your existing policy to have this type of coverage.

In some cases, your credit card will pay for damages to a rental car in the event of an accident. To be eligible, you probably would have to decline the collision damage waiver as well as charge the full amount of the rental car on your card. Make sure your credit card offers these services. Also make sure you understand all limitations and exclusions your credit card may issue such as limited rental contracts and approved rental dealers. Never rely on your credit card for rental car insurance there is so many exclusions that you will get stuck with a bill for sure.

Do not ever buy the rental car insurance when you do not have too. It is a rip off and often they have lots of bad restrictions on it. Go see your insurance agent and get what you need to protect yourself carefully.