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Writer's pictureBailey Skipper

Car Rental Insurance Tips

Car rental insurance gives you coverage when you drive a rental car. It seems like a valuable thing to have but isn't always necessary to purchase when you are renting a car. You may have coverage for a rental car already with your current auto policy.

Often when you go to rent a car, they have all sorts of coverage options you can purchase. This can be overwhelming and can lead you to purchase something you may not need. That is why we wanted to create a list of tips that will help your future rental car purchases go as smoothly as possible.


Car Rental Insurance Tips

  1. Thoroughly check your auto insurance policy before you go to rent a car.

    1. By doing this you may find things you didn't know about your policy, like having coverage for a rental car. Often times your auto policy will cover your rental the same it would cover your own car when traveling in the U.S. and Canada.

  2. By paying with a credit card you may have additional ways of coverage, but these come secondary to your primary insurance coverage.

  3. When traveling internationally you may want to consider taking up the rental car company's offer of insurance.

  4. If you do not have rental coverage, looking into the insurance offered at the car rental company isn't a bad idea.

  5. When traveling for business, sometimes your personal auto insurance policy will not cover you when renting a vehicle.


At the end of the day, the decision of getting the car rental insurance or not is yours. We hope these tips were helpful! If you have any other questions or want to know what kind of coverage you have on your policy when it comes to renting a vehicle, we would be happy to help. You can give us a call at any of our three offices!


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