ALOHA INSURANCE SERVICES

When renting a car, you need auto insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough.

Before you rent a car:

Contact your insurance company
Find out how much coverage you have on your own car. In most cases, the coverage and deductibles you have on your personal auto policy would apply to a rental car, providing it's used for pleasure and not business. If you don't have comprehensive and collision coverage on your own car, you will not be covered if your rental car is stolen or if it is damaged in an accident.

Call your credit card company.
Find out what insurance your card provides. Levels of coverage vary.

If you don't have auto insurance, you have two choices: you can buy coverage at the car rental counter; or you can purchase a a non-owner auto liability insurance policy.