Are you going to be renting a car in the near future? Do you understand exactly what you will be charged for? Many times there are additional costs added to your daily rate. In many cases you are forced to buy extra insurance in addition to your daily rate. The purpose of this article is to explain what types of car insurances there are and explain which ones you should and should not buy.

One of the most common types of car rental insurance is for collision. This is to cover you in case you have an accident. The rates vary. Sometimes, the insurance rate is low but you have to pay the first 500-1000 dollars in damages to the car regardless of who is at fault. One thing you should definitely look into is if your credit card offers insurance for rental cars. Many of them do and it could save you loads of money.

Another type of car rental insurance is comprehensive. Generally, this is optional but you are responsible for the car in the event it is stolen. Again, look into what insurance your credit card provides. You may find they offer full coverage.

If you’re planning to have others drive the car in addition to yourself, they must be covered. You must list all drivers and have insurance for them. It is important that you do this. In the event of an accident, if the other driver is not listed, and he or she is driving, the insurance company will refuse to pay for the damages. This will leave you liable for all of the costs.

When renting a car, be careful of the types of insurances you buy and what they do. Only get what you need but don’t ignore them. They will cover you if something should go wrong.

By: Rebecka Whitlock

About the Author:

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HP asked:


I don’t have stateside auto insurance.
We are military living overseas.
Renting a car in Hawaii and don’t want to spend a fortune in rental car insurance but want to be covered.

Teresa M asked:


What is the best way for me to get my money back (deductible and rental car costs) from someone who caused the accident, but who’s insurance turns out to not be valid? She is insured with Geico, however when I called them – they said it is likely that there is something wrong with her policy and they will probably not cover the cost of the accident. I’m guessing she didnt pay her monthly bill, or something similar which caused them to void her coverage. Can anyone suggest what I need to do to recover my expenses for the accident she caused?

css asked:


I have a car and have taken Auto insurance for it.
Now my question is if i take a rental car, then my auto insurance policy for my car covers it or i need to take separate insurance for the rental car? When i took the auto insurance policy, they have taken my car details and its present in the insurance card also.
If i need to take insurance for rental car, what type of insurance do i need to take excluding my auto insurance policy coverage that applies to all cars?
Also if i am driving someone else car, will my insurance cover if there is any accident i have made?

kiki asked:


I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn’t have any other auto insurance otherwise?
If I use my Discover card to rent the car, Discover will provide me with a Collision Damage Waiver of up to $25,000. Would that count as insurance?

hedonist asked:


I have credit cards which say they cover me for rental car insurance when I use the card to make the full payment for the rental. How does that work? Are there any catches? Does it make sense for me to get the additional insurance from the rental agency (like Avis)? If I am in an accident, will the Credit Card insurance cover everything or will it also be charged to my regular car insurance company?