The car rental company to make extra money, you sell a lot of insurance companies. The cover is not a bad thing to have, especially if you do not have a car, then you need to purchase insurance rental car.
However, if you own a car and insured, to pay with your credit card for the rental vehicle, have homeowners or renters insurance, you can no additional insurance. How do you know what you need? The easiest way is to contact your agent. Tell them you’re traveling and your insurance rental car. Usually the answer is yes.
There are exceptions. Some insurance companies do not cover rental car insurance if the vehicle is used for commercial purposes. Some measures do not cover a luxury vehicle, especially if you do not have a luxury car itself, some measures do not extend an SUV. So you need to go about these things with your agent before your trip.
If you are on business, travel, check with your company. Some companies have established policies for the rental car insurance. Some businesses need them, others do not. If you buy insurance and they are against company policy, you may not be reimbursed for insurance costs. So, check with the boss before embarking on this journey of the company.