Your session has expired. Put on the spot, you might not feel confident about exactly what your current auto insurance covers. We can help you understand whether you need rental car insurance and how to get it before you get to the rental counter. Some credit cards provide additional coverage, but make sure you understand the limits involved. Our opinions are our own. This is a test environment. If you decide that you do need to purchase coverage from the rental agency, you should know that rental car companies usually present four options of coverage. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Many or all of the products featured here are from our partners who compensate us. NerdWallet assessed, credit cards that offer good rental car insurance. covers up to $100,000 worth of damage to a vehicle, plus any of your belongings inside of it. The cost of optional car rental insurance and protection products can vary based on the type of vehicle you wish to rent and other factors. With LDW, there is no need to file a claim with your personal auto insurance and no deductible for you to pay to Dollar. Collision Damage Waiver â€” waives damages in the event of a wreck or if the vehicle is stolen. If you don’t have personal insurance coverage, consider checking your credit card – it may offer a rental car policy if you use it to pay for the rental. By Clicking ACCEPT or continuing to browse the site, you are agreeing to our use of cookies. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site. It’s technically not insurance but rather a waiver that says the rental car company won’t come after you. Compare car insurance quotes online for free to find your best rate. For only $9 per calendar day (cost for FL residents $7 per calendar day) you can be covered, and won't ever have to worry about using your personal car insurance company. Due to travel restrictions, plans are only available with travel dates on or after, Due to travel restrictions, plans are only available with effective start dates on or after. Insure My Rental Car offers loss damage waivers covering up to $100,000 in damage to your rental vehicle. When evaluating offers, please review the financial institution’s Terms and Conditions. This coverage, available through your insurance company, costs about the same as renting a car for just one day but is not always included in your auto policy. This will generally cover the car if you get into an accident or cause damage to the car. You may reduce your responsibility for damages to or the theft of the rental vehicle by choosing any of our protection products available to you. It doesn’t list policy limits or prices on its website, but claims it will beat any competitor’s daily rate. Plans only available to U.S. residents and may not be available in all jurisdictions. ii Your credit card may include free collision damage coverage, but credit card rental car insurance is typically secondary … How much is car rental insurance? Finding the cheapest rental car deal isn’t just about how cheap the vehicle is to hire. At the counter: A loss-damage waiver (LDW), also called a collision damage waiver (CDW), gets you off the hook for any damage to the rental vehicle or theft of the car. Collision insurance pays for vehicle damage from most types of crashes, but may not be worthwhile for older cars. 101-C series or 101-P series, depending on your state of residence and plan chosen. Rental car insurance often has diminished value coverage. It doesn’t apply in Israel, Jamaica, the Republic of Ireland or Northern Ireland. The surprising truth is that in many, if not most, cases you likely already have rental car insurance through: your personal auto insurance, ; complimentary insurance coverage that comes with your credit card, or; by coverage included with your travel insurance. *For WA residents, Rental Car Damage and Theft Coverage may not be available in all plans. This coverage is an option offered by most insurance providers. Liability insurance is provided with your rental vehicle. Personal accident insurance covers medical costs for you and your passengers if you’re involved in an accident. Each insurance policy has a unique coverage, and the However, you will still be on the hook for your deductible. If you don’t have comprehensive and collision on your regular policy, and don’t have the LDW, you’d have to pay for the damage. 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