When I rent a car, how do I decline to buy the extra insurance?
Every time I rent a car, I feel forced to buy their insurance, but I already have my own insurance. I don't want to be on the hook for anything, but I also don't want to pay for coverage that I don't need. What should I do?
“It is very common to feel pressured by the rental car agency. They make a lot of money off the insurance and want to make a big sale. Here is how to be more prepared to say “”no”” next time.
Before you get to the rental agency, have your current insurance carrier send you either a binder letter or a copy of your policy declarations page. Both of these will show the coverage you currently are carrying on your policy.
You can also ask for a copy of the car insurance contract, precisely where it states that the current coverage will extend over to the rental car and the stipulations.
Bring these things with you and you will have a much easier time declining the extra coverage you don’t need. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
What address do I put on my car insurance if I'm in the military?
My car is currently registered in another state. I need to get insurance for it, but I'm not sure if they will require me to update my registration.
Apr 21, 2021
How can I get a car loan as a 21-year-old?
"I want to get a car to be able to get out of the city at my leisure. The car I'm looking at is about $10,000. Because of my age, my credit score is only 660. How can I get a car loan as a 21-year-old?"
Jun 07, 2021
What should I do if I got into an accident without insurance?
My car insurance was canceled two weeks ago, but I recently got into an accident. While I say it was the other driver's fault, he says it's mine. Now his insurance company wants to sue me. What do I do?
Apr 13, 2021