I ask myself this question ALL THE TIME. Most of the time, I trust my research that says that between my auto policy and my credit card, I am covered. But occasionally, doubt creeps in and I waste money on insurance that I don't need.
Which is why I love to hear EXACTLY what I need to know before I head to the rental counter. In this clip, June Walbert of USAA gives clear advice on handling this situation.
Great advice, and peace of mind that we're making the right decision.