How can you find out if your car insurance is covered when renting a car for vacation?

Go and talk with your insurance agent. If you are just renting a vehicle to take on vacation without your vehicle being damaged in a covered claim then most likely your personal auto insurance will not cover the rental car. The best thing to do is speak with your agent. Some credit cards will offer coverage if you charge it on that particular card. The rental car agreement covers liability insurance and physical damage to the rental car with the exception of a high deductible which you are responsible for unless you pay a fee to cover this deductible. It usually cost $6 to $9 depending on the vehicle and may be worth it to purchase if you are worried about it.