What Credit Cards Offer Rental Car Insurance?

Rental car insurance is an essential consideration for any driver. While many rental car companies offer insurance, it can be expensive, and some credit cards offer rental car insurance as a benefit. If you're looking for a credit card that offers rental car insurance, here are some options to consider.

What is Rental Car Insurance?

Rental car insurance typically covers damage to the rental car and liability for any injuries or damage to other vehicles or property. It can also include personal accident insurance, which covers medical expenses for you and your passengers if you're involved in an accident.

Many rental car companies offer insurance, but it can be expensive, and the coverage can be limited. Credit cards that offer rental car insurance can be a good option, as they often provide more comprehensive coverage than rental car company insurance.

Credit Cards That Offer Rental Car Insurance

Several credit cards offer rental car insurance as a benefit. Here are some of the most popular options:

Chase Sapphire Reserve: This premium credit card offers primary rental car insurance, which means it covers damages and injuries first, before your personal insurance kicks in. It also offers up to $75,000 in coverage for theft or damage to the rental car.

American Express Platinum: This card also offers primary rental car insurance, with coverage up to $75,000 for theft or damage to the rental car. It also includes personal accident insurance.

Citi Premier Card: This card offerssecondary rental car insurance, which means it covers damages and injuries after your personal insurance has been exhausted. It offers coverage up to $50,000 for theft or damage to the rental car.

Discover it Miles: This card offers secondary rental car insurance, with coverage up to $25,000 for theft or damage to the rental car.

Tips for Using Rental Car Insurance

When using rental car insurance from your credit card, there are a few things to keep in mind. First, be sure to decline the rental car company's insurance, as it can be redundant and expensive. Second, make sure you understand the terms and conditions of your credit card's rental car insurance, including any exclusions or limitations.

It's also important to note that rental car insurance from your credit card may not cover all types of vehicles, such as trucks or exotic cars. Be sure to check with your credit card provider before renting a car to ensure that you're covered.

Conclusion

Rental car insurance can be costly, but credit cards that offer rental car insurance can provide an affordable alternative. By understanding the benefits and limitations of your credit card's rental car insurance, you can ensure that you're protected while on the road.

When choosing a credit card for rental car insurance, consider factors such as coverage limits, deductibles, and exclusions. By doing your research and selecting the right card, you can enjoy peace of mind while driving a rental car.