Understanding Rental Car Insurance Coverage

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When it comes to renting a car, there are a lot of things to consider—including rental car insurance. Do you need it? What does it cover? And if you do need it, how do you get it? It’s important to understand your car insurance coverage, especially when renting a car. Read on to find out all you need to know about rental car insurance coverage.

Do You Need Rental Car Insurance?

Whether you need rental car insurance depends on your existing insurance policies. Many auto insurance policies extend coverage to rental cars, so check with your insurer to see if you’re covered. If you’re a member of a rewards program or a credit card holder, there’s a chance you may have rental car insurance coverage as part of your benefits and rewards. Regardless, it’s important to double-check your coverage before renting a car.

What Does Rental Car Insurance Cover?

Rental car insurance can cover a variety of different areas, including physical damage and theft, liability, and personal effects. Physical damage and theft insurance covers the cost of damage to the rental vehicle, or the cost of the car if it’s stolen. Liability coverage can help protect you in the event of an accident, while personal effects coverage may protect you against the loss of personal belongings in the rental vehicle.

How Much Does Rental Car Insurance Cost?

The cost of rental car insurance varies, depending on the coverage you choose and the rental company you use. Generally, rental car insurance can cost between $9 and $19 per day. That said, the cost of rental car insurance can be much higher if you don’t have existing auto insurance coverage.

How Do You Get Rental Car Insurance?

If you need rental car insurance, the best way to get it is to purchase it from the rental car company. Most rental car companies offer a variety of different insurance policies, so it’s important to compare your options and choose the right coverage for your needs. Be sure to read the fine print of any policy you’re considering, as some policies may not cover certain types of damage.

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Rental Car Insurance Considerations

Before you book a rental car, it’s important to consider all your insurance options. If you already have auto insurance, check to see whether it covers rental cars. If it does, you may not need to purchase additional insurance from the rental car company. However, if your auto insurance doesn’t cover rental cars, you may want to purchase coverage from the rental car company to protect yourself in the event of an accident.


Rental car insurance is an important consideration when renting a car. Be sure to check your existing auto insurance policy to see if you’re covered and, if not, consider purchasing insurance from the rental car company. With the right coverage in place, you can rest assured that you’re protected in the event of an accident or theft.

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