Rental car insurance continues to confuse car owners, as most don't even know whether it's worth buying or not. Most experienced agents from top auto insurance companies will tell you that taking out this type of insurance is completely ineffective. Of course, that still applies to some car owners, but most drivers just pay too much. There are several options to confirm this.
The big secret is that almost all of the deals that car rental companies already have on most basic insurance plans. So when you get car rental insurance, you pay for what you already got, which is lost money. The best thing you can do is research what options your provider covers before going to car hire insurance.
For example, collision and fully comprehensive insurance can be excluded if you take this with your regular car insurance. Collision insurance alone is sufficient, as is most common in ordinary motor vehicle insurance. The same applies to liability insurance, which, although not so common, can be ignored. You least care about medical expenses, even if you don't have it in your car insurance, you may just have separate health insurance.
The only thing you can rarely buy from an insurance company is personal property insurance, which will help you get compensated if personal items like your phone, laptop, or cash are stolen from your car.