Is It A Good Idea To Buy Rental Car Insurance? 
It depends . Insurance sold by the car rental companies is expensive , and is a major source of profit for them . According to most state statutes , the rental company is required to automatically provide you with the minimum liability limits required in that state . Most people would want more coverage than the state minimum , so there are several options to consider . 1 . Check your own personal auto policy and see if it covers cars you rent for personal use . If it does , then there is n't anything else you need to do , your current policy covers you . 2 . Another option is to check and see if the credit card you use to rent the car provides you with any insurance protection . Many do , and they provide at least as much coverage as the deductible you have on your own policy . 3 . Finally , if none of these options are satisfactory , then you should consider buying insurance from the car rental company . The above options only apply for personal use of the rental car . If you are using the car for business purposes , you should check and make sure your employer has `` hired and non-owned '' auto insurance coverage - this will cover you . If not , then you should consider buying the insurance from the rental company . 