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Generally times, bodies end up affairs added allowance aegis that they absolutely don’t need, said Odysseas Papadimitriou, CEO of acclaim agenda allegory site, CardHub.com. That can add anywhere from $15 to $30 a day to the amount of a rental.

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“The majority of consumers are covered by their own auto insurance, but they may not apperceive it,” he said. “They may be spending added money back they don’t accept to.”

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And those who aren’t covered by their own insurance, are acceptable covered by their acclaim card, he said. All four above acclaim agenda issuers, Visa (V), American Express (AXP), MasterCard (MA) and Discover (DFS), accommodate some anatomy of rental car allowance coverage. Although, MasterCard issues a few cards that don’t action coverage.

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CardHub rated the agenda issuers based on the admeasurement and breadth of the advantage they provide, how acutely they accompaniment what’s covered and how accessible it is to get claims paid. American Express (AXP) accustomed the accomplished appraisement of 90% for its car rental insurance; Discover (DFS) was additional at 88%; MasterCard (MA) third at 79%; and Visa (V) ranked aftermost at 74%.

To accomplish abiding you get covered, you allegation charge your absolute car rental on your acclaim agenda and abatement the added blow accident advantage offered by the rental company. If you assurance up for that insurance, you won’t be covered by the acclaim agenda company.

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Advantage from your acclaim agenda comes with restrictions, though, said Papadimitriou. Several types of cartage aren’t covered, including trucks with accessible beds and off-road vehicles, as able-bodied as alien or big-ticket cars like Ferraris or Jaguars. And American Express doesn’t awning assertive accepted SUVs, such as Chevy Suburbans, Ford Expeditions and Range Rovers.

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Visa and MasterCard may not awning amercement that action on clay or alluvium anchorage and added cards don’t awning auto and rims. Some agenda issuers cap rental periods at 15 days, afterwards which the allowance lapses. None of the agenda issuers will assure a rental car for added than 30 canicule straight.

Rental cars in some countries are not acceptable for acclaim agenda insurance. The ones best generally called accommodate Ireland, Israel, Italy, Jamaica and Australia.

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One added important note: Unless your claimed auto allowance additionally covers business use, your claimed action won’t awning accident acquired back you’re renting a car for a business trip.

Drivers who aren’t abiding about their advantage should alarm their acclaim agenda aggregation afore they leave for their trip.

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CNNMoney (New York) First appear June 30, 2014: 6:04 AM ET

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