Renting a car can be an expensive proposition, but with the right credit card, you can save money and get peace of mind. The best credit card for car rental insurance can help you cover the cost of damage or theft, and provide additional features like free rental days and discounts. In this article, we’ll look at the top credit cards that offer car rental insurance, so you can make an informed decision when it’s time to book your rental car.
Why You Need Car Rental Insurance
When you rent a car, the rental company requires you to purchase insurance to cover any damage or theft that may occur while the car is in your possession. The cost of this insurance can be quite high, and can add up quickly. That’s why it’s important to know what type of car rental insurance your credit card provides. Many credit cards offer some type of car rental insurance, so it pays to do a bit of research before you book your rental.
The Best Credit Cards for Car Rental Insurance
The best credit cards for car rental insurance are those that offer primary coverage. This means that the credit card company will cover the cost of any damage to the rental car, up to a certain amount. Here are some of the best credit cards for car rental insurance:
- Chase Sapphire Preferred: This card offers primary car rental insurance coverage up to $75,000.
- American Express Platinum: This card offers primary car rental insurance coverage up to $75,000.
- Citi Prestige: This card offers primary car rental insurance coverage up to $50,000.
- Capital One Venture Rewards: This card offers primary car rental insurance coverage up to $50,000.
- Bank of America Travel Rewards: This card offers primary car rental insurance coverage up to $50,000.
It’s important to note that all of these cards offer secondary coverage. If you have your own car insurance, it will be the primary coverage, and the credit card company’s coverage will be secondary. This means that if you make a claim, the credit card company will cover the cost of the damage up to the amount of the deductible on your car insurance policy.
Other Benefits to Consider
When choosing a credit card for car rental insurance, it’s important to consider other benefits as well. Some cards offer additional perks such as free rental days, discounts, and travel protections like trip delay and baggage loss insurance. Be sure to check the terms and conditions of each card to make sure you’re getting the best deal.
Choosing the best credit card for car rental insurance can help you save money and protect you from costly damage to the rental vehicle. Be sure to compare the coverage and benefits of each card before you book your rental car. With the right card, you can get peace of mind and enjoy your rental experience without worrying about unexpected expenses.