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?

Answer
“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. “
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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.
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