Rental car insurance is, simply put, coverage for a vehicle that you are renting. It’s sold either by a rental car company or by an insurance provider. The question many people ask themselves is, Do I really need to buy insurance from a rental agency if I already have auto insurance? In most cases the answer is no, meaning your existing policy fully protects you.
However, there are circumstances where extending your insurance makes sense. To help you navigate these scenarios, this article covers all the possible situations where you might or might not need car rental insurance, along with the different coverage plans and the best and the most affordable ways to get them.