Author: Unknown
•2:49 PM
By Jason Hall

Do you need car rental insurance? This is a question that many people pose very simple because the car rental agents usually make it seem like you're committing a crime when you decline it making you sign a waiver for it. You may be hesitant to decline it and you may even agree to it because you think that somehow it will provide you with extra coverage just in case. Be clear, rental vehicle insurance does not provide you with additional benefits above and beyond what your car insurance and credit card will pay.

To verify this fact, contact your insurance company first to make sure that this is accurate. Let them know that you plan to rent a vehicle along with what period of time and where in the world. Then let them tell you if you have coverage and what exactly will be covered. If you are concerned, most car insurance companies offer an option of additional insurance for that vehicle rental for the period of time, which usually cost you much less than the rental car offers.

After checking with your auto insurance company, then get in contact with your credit card companies to see what coverage they will provide you with a rental car. Some credit companies will cover you for a higher rate, therefore it is a good idea to check with several before deciding which card to make your reservation with.

Between your car insurance company and your credit card company you should have enough coverage to take care of any and all issues that may arise. Don't be intimidated into paying the rental agent directly for extra insurance. While they may make it seem like an item you need, it usually winds up serving them in the form of additional income for the rental. Keep in mind that their motivation to sell you this insurance is not for your protection but for their profits.

Car rental agents are encouraged to talk you into this insurance and typically will get a larger commission if they do. So they will be extremely motivated to do all that they are able to do to convince you to take it, however if you go to the agency armed with the information that you need regarding rental vehicle insurance you should have no worries about being comfortable with signing that waiver and getting on your way.

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