Whether you rent a car frequently or only on occasion, you are always asked if you wish to buy insurance. If you are living and traveling in the U.S., you might have coverage through your own car insurance company, or perhaps with the credit card you use to pay for the rental. It’s always a good idea to check with those companies before you rent to determine exactly what kind of coverage you have.
If you are traveling outside the U.S., you are most likely not covered by either your credit card or your own car insurance. Try to find out the details of car rental insurance in the country to which you are traveling before you leave. You may be surprised to see that not only is insurance fairly expensive, but the deductible is very costly as well. It may be less expensive to purchase car rental insurance through a company such as Travel Guard (http://www.travelguard.com). If the deductible is more than you feel you want to pay, consider additional insurance to cover it too.