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What coverage does my credit card have?
What coverage does my credit card have?

When renting a [make of car, make sure to pick a card that offers primary car rental insurance. If the vehicle is damaged or stolen, you'll be covered for the loss. A number of great credit cards offer sign-up bonuses and points - in addition to providing you with great insurance protection. This is especially useful when you're booking a car, so you can spend time looking around the car rental centre instead of fiddling around for loose change.

Nearly every basic credit card offers secondary rental car coverage, but this coverage also has other drawbacks. There’s usually a really high deductible, and it may not cover the entire cost of damaged or stolen cars. But still more importantly, the savings only kicks in if your personal auto insurance coverage has been depleted. So if you pay with a card that offers secondary car insurance, you'll need to file a claim with your car insurer anyway. This can cause your own auto insurance premiums to increase.