<prompt> Human: I live in California and will be visiting Portland, OR for a few days next week. I am looking to rent a car for one of those days, but am a little confused on how it works since Ive never rented a car before Im 29 btw. I currently have auto insurance through Progressive, but I have basically the cheapest tier. I just asked them if I was covered for a rental car through my current policy and they said that I was covered for liability but not comprehensivecollision. When I rent a car, Im not sure which rental car company Im renting through yet, am I required to purchase comprehensivecollision insurance with them? Or is it something I could opt out of? If I have to purchase insurance through the company its likely going to take the cost of a renting a car from about 30 for a day, to closer to 90. Can someone with rental car experience please give me some advice? Thanks.Assistant: It would be unwise to rent a car not having comp and collision unless you can afford to buy. You are taking a big risk. They will come after you if the car is damaged during your rental period regardless of if its your fault or not. Will you be paying with a credit card? Many of them include some coverage as a cardholder benefit. Human: I dont plan on getting into an accident. But it sounds like I should pay for the insurance, even if its just for driving like 40 miles in one day.  <response>: Nobody plans on it. Thats why they are called accidents. 