Article: Avoid rental-car insurance redundancy.(Features)(Work & Money)

Accepting the collision damage waiver (CDW) offered by rental-car agents can add an average of $15 per day to your daily rental rate.

Before signing up, check to see if rental cars are already covered under your personal car-insurance policy. And take a close look at your credit cards.

Some credit-card companies provide rental-car insurance when you use their card. The coverage varies widely. Find out if it is primary or secondary. Primary coverage means the card pays - after you've met your deductible - before other insurers pay. Secondary coverage pays what's left after other insurers settle.

A good primary-coverage ...

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