Is Rental Car Insurance Necessary?

If you have ever rented an automobile than I’m sure you’re familiar with rental car insurance. Many people just say yes and tack on the added expense without thinking through the question. The fact is, few drivers need a special policy on a rental. Here’s a few ways to help you decide if you need rental car insurance.

  1. Check with your automobile insurance policy, if you have one. While the policy might be written on that sedan parked in an airport parking lot miles away from your current vacation spot, the policy should cover your liability as a driver no matter where you roam.
  2. Call your credit card company to see if it offers any coverage that would make rental car insurance unnecessary. Even if you don’t have auto insurance, with the right credit card, you still might be able to forgo the rental policy. Some credit card companies may not cover certain things, so make sure you are aware of the stipulations.
  3. Consider buying a non-owned auto liability insurance policy rather than rental car insurance if you rent often and don’t have your own auto policy. This policy covers whether you’re driving a rented car or a friend’s vehicle and makes the most sense for drivers who don’t have their own cars.

These are just a few tips and may vary depending upon the renter. For more information and a free car insurance quote visit our website at

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