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5 Things You Should Know About Car Rental Insurance

posted by TrueNorth Risk Management on Thursday, February 8, 2024

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Dreaming of Spring Break?

Are you already picturing yourself soaking up the sun on a spring break getaway? With warmer weather on the horizon, it's time to start planning those family trips to sunnier destinations!

As you gear up for your adventure, here are some essential tips about rental car insurance that can help ensure your trip goes smoothly. Whether you're headed to the beach or exploring a new city, knowing the ins and outs of rental car insurance can save you time, money, and stress.

Here are 5 key things you should know before hitting the road:

  1. Understand your existing coverage. Before purchasing additional insurance from the rental company, review your current policy. You may already have some level of coverage that extends to rental cars.
  2. Know your options. Rental car companies offer various insurance options, from collision damage waivers to liability coverage. Knowing what each option covers can help you make an informed decision.
  3. Consider your needs. Assess your specific needs & risk tolerance when deciding whether to purchase rental car insurance. Understanding your coverage options can help you choose the best option for your situation.
  4. Read the fine print. Don’t overlook the details! Take time to carefully read the terms & conditions of any insurance coverage offered by the rental company to understand what’s covered, and any exclusions.
  5. Declining Coverage. If you choose to decline rental car insurance offered by the rental company, be prepared to provide proof of coverage from your existing auto insurance policy.

The decision to purchase rental car insurance depends on your circumstances. It’s essential to weigh the cost of the coverage against the potential benefits and your existing coverage options.

Want to see what’s covered with your existing policy? Contact your Account Specialist today!


About Author

In addition to helpful weekly guidance on home and auto, TrueNorth provides a number of insurance options to protect your family from risk. For information on a home or auto quote, visit or call us at (319) 739-1277. We'd like nothing more than to help safeguard the things that matter most to you. 

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