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Renting a car for the first time for a driving-heavy trip (15+ hours of driving over 5 days). Do you get the extra insurance offered by the rental company? Any tips?

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Rent with your credit card that offers insurance perks

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Remember to check if the credit card offers primary insurance…

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Decline rental insurance. Use Chase Sapphire Reserve or Amex Platinum credit card when booking as they will give you the rental insurance automatically.

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Amex Platinum is secondary rental insurance FYI. If you need primary insurance, you can enroll your card in the Amex Premium Rental Car Protection Program and pay $20-25 for the whole trip.

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I went to Vegas for a week and rented a car w friends and drove it over 1500 miles, all over Cali, Utah, and Arizona and I didn’t get any extra insurance. I def would recommend renting a car that offers unlimited miles tho or it can b super exp.

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Don’t get the extra insurance. Rent the car with a credit card that offers rental car insurance as a park (most do- just do your research). At the front desk, when they ask you what insurance you have- just say Geico (or something like that- they don’t care)- just don’t say chase. Other tips: Don’t pay for the fill up in advance (they charge you for a full tank). Just fill it yourself before returning the car. Figure out if the roads you’re driving on have tolls & if you can easily avoid them. Using their EZ pass is stupidly expensive.

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I had an issue before where the person wouldn’t accept “chase” as the answer since they’re not a traditional auto insurance provider. I changed my answer to Geico and they let me take the keys. It was really dumb.

Make sure you’ve got some kind of insurance, whether it’s through a credit card, AAA, or the rental company. No need to double up, but make sure you’re covered somehow.

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I would say the only caveat to this is international travel - we once got the insurance while in Costa Rica because we knew where we were driving would be a bit crazy and got in a fender bender, but it was a total nonissue because we had the full insurance. If you don’t have the credit card w/it or think it’s going to be driving outside the norm (this was all dirt roads, windy mountains, etc) then it may be worth the cost for your sanity

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Thanks everyone - I’m in Canada but I’m sure CAA offers through their membership or my credit card.

Chase Sapphire Reserve offers excellent insurance. I never buy the additional.

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