Auto - Buying and Insurance - Is Rental Car Damage Insurance Right for You?
Let’s start with the basics. Most car insurance policies cover you if you rent a car. (Make sure your policy covers any cars you rent.) If that is the case, it probably does not make sense to purchase damage insurance from the rental car company itself. While it’s convenient, you are in effect paying twice for the same coverage.
Take a look at your policy, and if you have rental car insurance, determine how much that costs. Balance that cost against the cost of purchasing damage insurance when you rent a car. Then pick whichever insurance is cheapest - but don’t pay twice!