Are you planning on going on a road trip this summer? If so, you will most likely need to rent a car and have car insurance for your rental car. Should you spend money on over-the-counter car insurance for your rental car? The answer to this question is yes and no. Yes you should buy car insurance from the car rental agency, and no you should not buy car insurance for your rental car, especially if your car insurance premium covers you when you rent cars especially from agencies like Hertz, Avis and Dollar Rent a Car.