Millionaire Services The Millionaire Blueprint: Crafted for Success
Rental car counters love upsells.
Whenever I’m at the counter, they always ask if I’d like to add coverage. Rental car insurance decisions seem simple—until they aren’t. That collision damage waiver (CDW) sounds smart, especially when they mention theft or accidents. But that extra fee can feel like a trap if you’re already covered elsewhere.
Start with your policy.
Before renting anything, I always call my auto insurance agent. Many personal policies extend to rental cars. That means you may already be covered for collision or theft. Knowing this in advance helps avoid pressure at the counter. I want facts before signing anything.
Know what your credit card covers.
Certain credit cards offer rental car insurance as a built-in benefit—if you charge the rental to the card. But terms vary widely. Some cover only collision. Others exclude certain countries or vehicle types. I call my issuer every time I book to confirm what’s covered.
Avoid paying for double coverage.
In most cases, people unknowingly pay for insurance they already have. That’s why I always check both my credit card and car insurance. You should, too. The CDW may sound helpful, but it’s often a redundant expense designed to boost the rental agency’s bottom line.
Choose a safe, secure vehicle.
When selecting a rental, I don’t focus on style—I focus on safety. I always choose a car with automatic locks and working air conditioning. That way, I can keep the windows up and reduce risk, especially in unfamiliar areas. It’s not just about comfort. It’s about control.
Look at where you’re going.
If I’m traveling overseas, I dig deeper. Not all insurance extends abroad. For international travel, rental insurance sometimes becomes a smart option. I’d rather over-prepare than deal with a claim denial in another country. Details matter when you’re driving far from home.
Make smart rental car insurance decisions.
Before every trip, I constantly review my rental car insurance decisions. With just a few calls and clicks, I can safeguard my finances and peace of mind, all without wasting money at the counter.
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