Do I have to take the auto insurance that the rental car companies offer?

I plan on renting a car for about a month during the summer. I don't have my own insurance policy, but I am a really safe driver. I don't want to pay for the rental car insurance. Do I have to buy it?

Answer provided by
Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“The insurance on a rental car can add up. Since you don’t have an existing car insurance policy and it is illegal to drive an uninsured car, you need to have liability insurance for protection.
Some rental car agencies may give you the option to waive the comprehensive insurance and collision insurance, but keep in mind that if you are found at fault in an accident, the cost to fix or replace the rental car will come out of your pocket.
Check with your credit card company. Many companies offer “”travel perks”” and may have rental car insurance included for you already. If not, they may have a rental car discount that will make the insurance more affordable. “

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