That moment at the rental car counter when you’re asked, “Do you want to add on car insurance?” can give you pause. Does your personal auto policy, or the credit card you used to charge the car, provide any protection? Understanding what rental car insurance you already have could possibly save you from buying unneeded extra coverage at the counter. Your own car insurance will likely cover the rental car, and many credit cards also include rental car benefits. Read on so you won’t be caught second-guessin ...