Check with your credit card issuer. Odds are, you ll be paying for the rental car with a credit card

Most people don t think about rental car insurance until they re standing at the counter, ready to sign for their rental car, and the rental car company representative asks if they would like to buy a policy. It s hard to say no , because you want to make sure you re covered. But it turns out that with a little preparation, you can easily decline car rental deal the coverage and still have peace of mind.
Check with your personal auto policy insurer. If you own a car, check with your insurer to see if your policy extends to rental cars. In most cases, the answer will be yes . Be sure to ask how much of the coverage you have with your personal vehicle extends to the rental car. In most cases, the coverage will be the same, but sometimes the coverage may be so limited that you ll want to consider purchasing additional coverage car rental deal for the rental car.
Check with your credit card issuer. Odds are, you ll be paying for the rental car with a credit card, as most rental car companies require you to have a card on file when you rent a vehicle. Many credit car rental deal cards include rental car insurance as a benefit, so check with your insurer to see if paying for the rental car with your credit card will also give you insurance coverage. If you have multiple credit cards, check with each issuer to see which card will give you the best insurance coverage.
Consider a non-owner insurance policy. If you don t own a vehicle but rent one frequently, consider purchasing a non-owner liability policy. It will cost several hundred dollars per year, but should be cheaper than paying the rental car company s per-day cost if you rent a vehicle often throughout the year.
Consider where you will be driving. Insurance policy coverage depends on where you are driving. For instance, your U.S.-issued personal auto policy car rental deal may cover you in Canada, but not in Mexico or Europe. If you will be renting a car abroad, be sure to check into your insurance needs before your embark on your trip.
Don t be afraid to ask questions. If you decide that you need to buy insurance coverage as part of your rental agreement, be sure to find out what is included in the coverage. Read the contract before you sign it, and ask for clarification about anything you don t understand. The standard rental policy is actually a waiver called a collision damage waiver, optional vehicle protection, or loss damage waiver. It shifts liability from you, the renter, to the car rental company. However, note that the waiver can be voided under certain circumstances, such as driving illegally or unsafely. The rental agreement should spell out these circumstances.
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