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Rental car insurance can be paid along with your personal car insurance; however, it requires you to pay the deductibles thereof. Buying group insurance in such cases might prove to be useful as it would help in reducing the costs of premiums, if you buy them from a single insurance company. The rental car company also offers all kinds of waivers and insurances which can help in relieving you from paying for a rental car. Collision Damage Waivers and Loss Damage Waivers can be bought from the rental companies which can help you in recovering the damages in case the car is stolen or has an accident. Some Loss Damage Waivers include Collision Damage Waivers, while some require you to pay a certain sum for the same. These waivers have to be bought from the insurance companies as they are basically provided by the rental companies. The costs can vary from seven to twenty five dollars a day. There is an Additional liability Insurance which will cover costs of damages up to a certain amount which can be as high as one million dollars. One can buy this policy as well, from the car rental company. Personal Accidental Death and Personal Property Insurance can also be availed from car rental companies. However, ultimately one has to decide whether it makes sense to buy all the coverages offered by the car rental companies or to purchase only those that are essential. It is a good idea to buy a Loss Damage Waiver or a Collision Damage Waiver if you do not have a comprehensive and collision insurance and you are renting a car. This will avoid putting you in a tight financial spot in case of an accident. However, if you have a comprehensive and collision insurance you can avoid paying for the Loss Damage Waiver altogether as this would involve paying double coverage, which is not necessary. .
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