There has been on going debates about the importance of taking rental insurance, when you are renting an automobile. Many believe that their own car insurance will cover them while they are driving a rental and other feel that the credit card they use to rent the car offers them protection. Somethings that you should take into consideration is that rental companies only push this rental insurance for two reasons; the first is so that they will make extra money on your rental and the second is so that the rental insurance will protect their car. In the end, their car is all that is important to them.

Here are some of the most asked questions about rental insurance, and the answer are most likely going to surprise many of you.

WILL MY REGULAR CAR INSURANCE COVER ME WHILE I AM USING A RENTAL? YES….Many insurance companies will still cover you when you are driving in a rental car. However, it is advisable that you contact your insurance company, prior to picking up your rental vehicle, just to make sure that is so. Otherwise you will not be completely confident that you will be covered and may spend money, on rental insurance from the rental company, you could have otherwise saved.

WILL THE CREDIT CARD THAT I USED TO RENT THE CAR COVER ME FOR ANY DAMAGES? There is not straight yes or no answer for this question. Most of the major credit card companies do offer additional rental insurance, however you should always check prior to using it for your rental.

IF I AM COVERED BY MY CREDIT CARD AND MY CAR INSURANCE DO I NEED TO PURCHASE THE CAR RENTAL INSURANCE JUST IN CASE? Absolutely not. Many companies will tell you that your insurance wont cover everything or that you are leaving yourself open to liability if you don’t take their coverage, however most car rental coverage doesn’t even cover you as well as your own. Many times the companies and their representatives will lead you to believe that this coverage is necessary, but in reality it will provide you with no benefit at all if you are already covered, and therefore this will just be unnecessary money that you will be handing over to the car rental agent.

So before yo arrive at the rental car company to pick up your vehicle check with your insurance and credit car companies to see what you are covered for. This will make you more confident when you refuse the rental companies insurance and you will be saving a lot of money.

Budget Rent a Car is the best site to utilize if you are looking for a car rental Surfers Paradise. They are the leading rental car agency in all of Australia.