The only caveat is that you need to pay 100 percent of the price of the rental on that card. A number of credit cards offer primary coverage as part of its perks (check out NerdWallet’s list of cards that tout this benefit). Now, you may also want to go with this insurance even if you have your own auto insurance, because, as Rossman notes, if you get into an accident, you’d still have to pay the deductible out of pocket, and the accident could incentivize your insurance company to hike up your rates.īut there’s a better way, and one that actually comes at no cost to you. This is the primary insurance that will reimburse the company for costs of damage to a car should you get into an accident while it’s in your possession. If you don’t typically drive (and thus, don’t need/have your own auto insurance), then the first add-on item you’re likely signing up for is the collision damage waiver. The biggest cost that we encounter when renting a car is usually the insurance. Use a credit card that will cover primary insurance “I came out well ahead even after my $20 ride-sharing cost,” he says.
Chris Trifilio, blogger at, says he’s actually saved money by paying for an Uber or Lyft to take him from the airport to a rental car depot.
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