It’s true that whenever you rent a rental car, the rental company will ask you if you want to buy the extra insurance. Your initial reaction may be “no” because you want to get the lowest possible price on a car rental. But consider getting the extra insurance for a moment, and you might be glad you did.
The extra rental insurance covers any damage to the rental car in the case of an accident. The insurance is available from the rental car insurance company, and is usually a fairly low fee. If you’re paying for the cost of the rental with a credit card as most customers do, first check with the credit card company to see if they offer rental car insurance. Many credit card companies include this as part of their service and if yours does, you don’t need to buy the extra insurance from the rental company, which can help give you the lowest price on your car rental. However, make sure that if your credit card company does offer the extra insurance, you use that card to pay for the rental. Otherwise, the insurance won’t cover it.
If you don’t have extra car insurance with a credit card, you will want to buy the extra insurance from the car insurance company. Although you are looking for the lowest price car rental, the insurance really is just a small fee. And if you don’t get it and get into an accident, you will be liable for the car and any expenses incurred in the accident. Making sure that you are covered for these situations makes sure that you’ll get the lowest price car rental at the beginning of your journey - and at the end of it!
