Insurance tip: Most car insurance covers you if you rent a car. Check with your agent, especially if renting international. Also make sure any additional drivers' insurance covers them.

But one thing it may not cover. If the car is damaged and can't be rented, you may be liable for loss of revenue. And that may not be covered. Check to see if you can get a rider for that. State Farm has a rider that cost me $30 for 6 months.