Do you really need rental car insurance? Consumer Reports shares some guidelines to help you decide

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Do you really need rental car insurance? Consumer Reports shares some guidelines to help you decide
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Consumer Reports reveals the crucial questions to ask before your next rental.

The next time you rent a car, you’ll likely get the same question as the last time: Should you buy rental car insurance? You might think your credit card or auto insurance covers you, but that’s not the whole story.Both auto insurance and credit cards can have significant limitations regarding rental car s, including what kinds of vehicles they cover, for how long, and in what countries.

Rental car insurance can be expensive, sometimes an extra $50 per day. When does adding it to the rental make sense?Email Addresshave liability insurance on your car, you’ll need to get a separate policy for the car rental in case there’s damage to it in the event of a crash.Is the rental car fancier than your car?

Some credit card rental insurance and personal auto policies won’t cover certain car types or classes, like large sport utility vehicles or luxury cars.Allstate, Geico, Farmers, State Farm, and Progressive say that your auto insurance coverage extends only to car rentals in the U.S. and Canada. The same goes for rental insurance offered by most credit card companies., these vehicles are usually not covered under standard auto or credit card insurance policies.

All Consumer Reports material Copyright 2024 Consumer Reports, Inc. ALL RIGHTS RESERVED. Consumer Reports is a not-for-profit organization which accepts no advertising. It has no commercial relationship with any advertiser or sponsor on this site. For more information visit consumer.org.

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