Here’s the truth about whether or not you should buy car rental insurance for your Indianapolis car rental. As you plan your vacation and think about where you will stay and all the places you will visit, you also consider how you can save money. Getting car rental insurance that you don’t need can put a large dent in your wallet. However, it’s best to be prepared and by the time you finish this page, you’ll understand what you must do in order to protect yourself.

As soon as you get to the rental car agency, the clerk at the counter will bombard you with offers. Getting the additional insurance seems like a no brainer. But, to many well-informed and savvy travelers, they know from the jump-start, to say a polite “no” to all their kind requests. However, you may be in a position where a “yes” is warranted. Let me tell you about those scenarios.

The first reason you may need to add on insurance for your Indianapolis car rental is if you do not have any personal insurance on a vehicle you own whatsoever. If that is the case, the car rental agency will require you to purchase additional insurance through them. The next reason would be if you have a personal insurance policy but you lack adequate coverage for the car rental. In both cases you may be required to add on LDW (Loss Damage Waiver) or CDW (Collision Damage Waiver). You’ll pay a daily fee and the rental car company waives it right to recover money from you in the event that the car is damaged or stolen. Purchase insurance for your Indianapolis car rental if you are at risk. You’ll be grateful for it later.