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Health Insurance

How do I sign up for insurance? Am I eligible for subsidies? Get answers to these questions and more with our Health guides.

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Medicare
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Medicare

Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.

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Life Insurance

We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.

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Auto Insurance

We've done the work to learn what goes into auto insurance. View guides to getting the best rates or browse provider reviews.

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Home Insurance

Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.

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Rental Car Insurance

If you’re planning to rent a car, you may be wondering who pays for any damage to the rental car. If you lack proper insurance, that person could be you.

While the rental car company typically has liability insurance that covers the bare minimum mandated by the state, you could still be left with hefty bills if you fail to adequately protect yourself. Policy Scout can help take the guesswork out of finding the right insurance for your rental car and provide you with the best possible quotes.

Types of Rental Car Insurance

Rental insurance financially protects you in the event you get into an accident with the rental vehicle. It’s typically split up into several different types of coverage:

  • Collision damage waiver (CDW): This coverage — also known as loss damage waiver — protects you by paying for the expenses incurred when the rental car is damaged in an accident. CDW usually includes coverage for towing and the rental company’s “loss of use” fees.

  • Personal accident insurance: This pays for the medical expenses of you and your passengers if you have an accident while driving the rental. If everyone riding in the rental car has sufficient health insurance, then you may not need to purchase this coverage.

  • Personal effects insurance: This will reimburse you for any of your personal items that are stolen from or damaged in your rental car.

  • Liability insurance: This will cover you if you’re sued for causing damage to other vehicles, damage to property, or bodily injuries to others while driving your rental car.

How to Purchase Rental Car Insurance

You can buy rental car insurance from the rental car agency itself, from a third-party insurer, or as a rider on your personal vehicle insurance. Certain credit cards also sometimes offer limited rental car insurance. Note, however, that your personal car insurance or credit card insurance typically will not cover everything, and you will likely have gaps in coverage if you get in an accident.

For example, if your rental car is vastly more expensive than your own car, or if your personal auto insurance policy carries a high deductible, you should purchase additional rental car insurance to fully protect yourself. Additionally, some coverage offered by credit cards is only secondary, meaning it will only cover what your personal auto insurance fails to cover.

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Throughout the years, PolicyScout™ has developed relationships with leading insurance companies to provide the best rates for consumers. We pride ourselves on putting the consumers first and delivering a new way to shop for insurance online. With our platform, consumers can compare all types of insurance types. From Medicare, Health Insurance, Life Insurance, Auto Insurance, Home Insurance and more. By using our platform, we’ll protect your data, find you savings and even help you enroll for insurance online. We didn’t invent comparing insurance. We just perfected it.

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