How to Decline Rental Insurance Without the Risk

Saying no to rental car insurance at the counter feels like a gamble, and the problem is that the agent is trained to make declining sound dangerous, so most people cave and overpay for coverage they already have. You can decline safely, but only if you have done the homework first, because a confident no requires knowing exactly what is behind it.The homework is two phone calls or two minutes of reading. Check your personal auto policy to confirm it extends collision and liability to a rental, and check your credit card’s benefits guide to confirm it includes a collision damage waiver and that the country you are renting in is not excluded. If both cover the rental, you are already protected, and the counter insurance is largely