When you rent a car, the company will always try to sell you their insurance. Having insurance on your rental car is as important as it is on any car, but there are few ways to go about that. First thing to do is speak to your personal auto insurance and check what it covers. Many times, if you have car insurance with comprehensive and liability, it most likely will cover your rental car. Whatever isn’t covered with your private insurance, you can supplement through the rental company.