If you're concerned about being responsible for damage that might occur when renting a vehicle, it can be tempting to purchase the expensive coverage offered by the rental agency. However, many drivers don't realize that their existing car insurance may offer adequate protection when driving a rental. Here's a closer look at how to determine your need for additional coverage.

How Rental Agency Auto Insurance Works 

Car rental agencies offer coverage as a supplement. Like general auto insurance, the coverage levels vary. 

Drivers can choose to have the minimum liability protection or opt for comprehensive coverage that protects the vehicle as well as their personal items regardless of who's at fault for damage. The latter is often costly and may not be necessary if you have protection from your own auto insurance policy or through the credit card you use to pay for the rental. 

How to Tell if Your Personal Policy Is Enough

Most personal auto insurance policies will cover you while operating a rental vehicle. In this case, you'll have the same level of coverage for the rental car as you would your personal car. For example, if you only have liability coverage on your personal vehicle, that is what you will have on your rental as well. Similarly, comprehensive or collision insurance on a personal vehicle will translate to the rental car. 

Keep in mind that your personal insurance may only cover you if you're using the rental vehicle for personal use. Therefore, if you're renting a car for a business trip, check with your insurance agent to verify if commercial coverage is necessary. 

Credit cards often offer secondary coverage for extra protection. If used to pay for the vehicle rental, a credit card can help after your primary auto policy has already kicked in. This can be valuable to recoup the cost of your deductible. Check the terms and conditions of your credit agreements before selecting the right payment method at the rental agency counter.

When to Buy the Rental Agency's Coverage 

There are circumstances where it's sensible to get the rental car agency's insurance. If you don't have car insurance of your own, you're paying for the car with a check or debit card, or are traveling internationally, securing extra coverage may be wise. 

Further, if you only carry a liability policy on your personal vehicle, you may want additional protection. This helps ensure you won't have to pay the full cost of the damages if you cause an accident that wrecks the vehicle or causes injuries.

If you have questions about car insurance before taking a trip, turn to BestRate Auto Insurance in Bulloch County, GA. Their knowledgeable agents can set you up with coverage that meets your needs, budget, and lifestyle. They've served local drivers of all types since 2003. Speak with an agent by calling (912) 489-5942 or learn more about the team online.