What’s The Point in Getting Insurance With Rental Cars?

If you've ever rented a car, you've likely faced the age-old question at the counter: Do you want to purchase insurance with that? While it may seem like just another upsell, rental car insurance serves a critical purpose—one that could save you from major headaches down the road.

Understanding Rental Car Insurance

Rental car insurance typically includes various types of coverage:

Collision Damage Waiver (CDW): Covers damage to the rental car in the event of an accident or theft.

Liability Coverage: Covers you if you're found responsible for damaging someone else's vehicle or property.

Personal Accident Insurance: Covers medical costs for you and your passengers.

Personal Effects Coverage: Protects your belongings inside the rental car.

Without insurance, you're personally on the hook for any damage or loss—even if it's not your fault. That can add up quickly, especially with today’s repair costs.

Isn't My Credit Card or Personal Insurance Enough?

In some cases, yes. Some credit cards offer secondary rental insurance, but it may come with exclusions. For example, certain types of cars, like luxury vehicles or trucks, may not be covered. Personal auto insurance can also extend to rentals—but only within the same country and under specific terms.

Relying solely on these options without reading the fine print can leave you underinsured. For peace of mind, many renters choose to add the rental company’s insurance, especially when traveling abroad or for business purposes.

When You Really Need Rental Insurance

There are specific situations when getting the rental company’s insurance is highly recommended:

International Travel: Your personal insurance likely won’t cover you outside your home country.

No Personal Auto Policy: If you don't own a car, you probably don’t have coverage at all.

High-Risk Areas: Urban locations or regions with high theft rates may pose greater risks.

Business Rentals: Your employer’s policy might not cover you unless you specifically opt in.

How to Save on Rental Insurance

Worried about the extra cost? You’re not alone. Rental insurance can add $10–$30 per day to your bill. That’s why it pays to plan ahead. One of the smartest ways to offset this cost is by using a Avis Discount Code when booking your rental.

These discount codes can significantly reduce your base rental rate, giving you more flexibility to opt for the insurance coverage you need without breaking the bank. Whether you’re planning a weekend getaway or an extended road trip, using a promo code like an Avis Discount Code can make your entire rental more affordable.

Final Thoughts

Rental car insurance might feel like an unnecessary expense—until you need it. It offers protection, peace of mind, and financial security in case something goes wrong. While some drivers may be covered through credit cards or personal policies, those aren't foolproof options.

Next time you book a rental, weigh your options carefully. And don’t forget to apply an Avis Discount Code to stretch your budget a little further. After all, smart travelers know that being prepared—and saving money—is always in style.