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Word to the wise — Make two calls before you rent a vehicle:
Know what you need before you reach the rental counter. It will help you decide whether their coverage is superfluous or whether you'll want it for added peace of mind. You'll be able to determine whether it's "good value."Ask your insurance agent if you are covered in a rental car at the same levels as if you were driving your own car. If not, inquire about adding car rental coverage. (The cost for one year may be similar to what you'll pay a rental company for one day's "waiver and insurance" costs.) Discover whether your credit card offers rental car insurance and if so, the extent of that coverage.
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