There are pros and cons of using your own auto insurance when you rent a car.
Pros: You’ll save money on your rental car because you don’t have to purchase the insurance option from the car rental company. Consequently, this can save you over $10 per day on the cost of the rental vehicle. In addition, some credit card companies offer comprehensive and collision coverage when charging the auto rental with their card. If you’re unclear if your credit card covers rental car insurance, then give them a call.
Cons: The disadvantage of using your auto insurance on a rental car is that a claim can go against your policy if you get in an accident with another driver. This accident could raise your auto insurance rates or jeopardize your auto coverage. Because of this, you may want to purchase the liability coverage from the car rental company if you already have a claim or two on your current auto policy. Why jeopardize your coverage when you are driving someone else’s car?