For many years, I used to pay for liability and collusion insurance when I rented cars at the airport. I no longer to that, and you might not want to reconsider as well, especially if you are paying for the rental yourself.. This reason that I am no longer paying for liability and collusion damage is that I do not want to pay twice.
Over the years, I had been enticed to pay an extra $12.99-18.99 a day for my rental. The rental car counter agent had various techniques and it always ended up with me paying for insurance that I did not need. One day, I called the auto insurance company, and then, I called my credit card company. Both confirmed that my rentals were covered for liability and collusion during a rental.
I have Ameriprise (through Costco), and GEICO before that. I don’t know that they have the best rate. I have never done the research, but I if you have a major auto insurance company that should cover your rental. . I had heard over the years that the auto insurance companies covered liability, but I was not 100% sure so I just paid for the insurance. The first few times, I called Ameriprise each and every time to confirm that I was covered during a rental. I no longer call every time now. If you use American Express or some other major credit card with a Visa or Mastercard logo on it, it will likely cover you during a rental as well for collusion damage to the vehicle.
It is one thing if you rent a car for one day, and pay an extra $20 in insurance that you don’t need. However, if you rent the car for a three-day weekend, that’s $60 for insurance that you did not need. If you rent a car for a week, the extra cost is even higher. In many cases, the insurance costs was up to 50% of the daily rental. It’s a little embarrassing to not pay for rental insurance the first few times. Ifelt like a cheapo, but I really don’t need it, so it was just paying twice.
If you need a vehicle for a free hours during your travels, consider borrowing a Zipcar. Your hourly rate covers both the car rental, gas and insurance. http://bit.ly/9Ktkk0