Do I Need That Insurance Offered at the Rental Car Counter?

Do I Need That Insurance Offered at the Rental Car Counter?

Renting a vehicle is easier than ever. Most reservations, pricing and vehicle selection can be done online. There will still be a process, however, when you get to the car rental counter to pick up your vehicle. You will need to sign a number of papers, provide a valid driver’s license and credit card. You will also be offered a variety of options. One of the most crucial, and potentially expensive options you will be asked about is supplemental rental car insurance. Do you need this coverage? What are your options and when should you consider it? It will depend on your current personal insurance coverage and the credit card used to pay for the rental. Here are some guidelines.

What Type of Coverage do You Presently Have? 

It is helpful to know that generally, coverage you have on your personal vehicle will transfer to any car you rent.

If you have full comprehensive coverage on your personal car insurance, especially if it is above state minimum standards, you can usually feel comfortable passing on any supplemental car insurance at the rental counter. This is particularly true if your credit card company backs up your personal insurance with additional coverage. Something else to keep in mind, does your personal auto insurance provide coverage for loss of use should you and your rental car have an accident.That being said, there may be restrictions or limits on your coverage when renting a truck or luxury vehicle.

If you only carry liability coverage, your coverage may be supplemented by the credit card company used to pay for your rental. If you are unsure, it can be well worth getting the supplemental coverage. This is especially true if your liability limits are at state minimum.

Be Prepared

Selling supplemental insurance on rental cars generates a significant amount of money for rental car companies. If you are unsure of your coverage before heading to the rental car counter, you could make a costly mistake. This is just one reason why an automobile insurance review is so valuable. Rates and limitations are in constant flux with car insurance companies. A car insurance review can place you in the best position to take advantage of any discounts you deserve, while getting the coverage you deserve. It is also the time to review your limits and if you have sufficient coverage to take care of any concerns when renting a car. Call our independent agents to learn more today!


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Pimp My Ride… Responsibly: How to Insure Your Customized Car

Custom Rides, Covered Costs: Protecting Your Upgraded Car with Insurance

Home Sweet Secured Home: Why Homeowners Insurance is Your Superhero, Not a Villain

Home is Where the Heart (and Coverage) Is: Why You Need Homeowners Insurance

Cabin Fever Blues Got You Down? 8 Fun Ways to Bust Out of Your Boredom Bunker!

Stuck at Home? Beat Cabin Fever with These Fun (and Easy) Activities!

Business Buddies or Insurance Experts? Why BFFs Aren’t Always the Best for Biz Coverage

Friend in Insurance? Consider These Before Mixing Business with Pleasure

No Needles, No Problem: Unveiling the Secrets of Life Insurance Without a Physical Exam

Life Insurance Made Easy: Skip the Physical, Get Covered Today!

Speeding Tickets and Insurance Rates: Myth vs. Mayhem (and Where We Can Help!)

Worried a ticket will skyrocket your car insurance? Let’s clear the confusion! Learn which violations affect rates, why it matters, and how to find affordable coverage – even with a less-than-perfect driving record.

Rain, Rain, Go Away! Don’t Let Roof Repair Ruin Your Day: A Homeowner’s Insurance Guide

Leaky Roof? Relax! A Homeowner’s Guide to Roof Damage and Insurance Claims

Cash: A History Lesson (and Why It’s Still Relevant Today!)

We swipe, tap, and click, but cash persists!

Sole Proprietor? Don’t Risk It All! Business Insurance for Your Peace of Mind

Running a solo business? Don’t let a lawsuit or disaster wipe you out

Beyond Million-Dollar Contracts: Why You Need Athlete-Level Protection (Even Without the Millions!)

Health is Wealth: Why You Need Insurance Protection, Even Without a Pro Athlete’s Salary