I am planning a cross-country trip with my friends, and we’re getting a rental car here in Arizona. Do we need to get car insurance for that?

Mimi

Scottsdale, AZ

Good day to you, Mimi. Before plunging into car insurance premiums you actually do not need, I think it is best that you first review fully what you need and what you do not. We often make mistakes by getting additional protection that we think we need but do not know that we already have, or sometimes we assume we already have but in reality we do not. Not mentioning the fact that these additional car rental insurance premiums cost a lot, adding roughly $30 to $50 a day on your trip expenses.

Even if one is only renting cars, like what you are planning to do with your friends, the car insurance premium of the driver might already have coverage for that. Also, you will most likely use your credit card to pay for the car rental, and these credit cards, as we all know, have supplementary insurance that go with them. So, better check with your car insurance provider in Arizona and your credit card company first before embarking on this fun-filled trip with your friends because you probably already have the coverage that you are looking for. However, you may want to get a loss damage waiver. It switches liability over from the driver of the rented car to the rental car company. Have a fun and safe trip.