If you’re confused about the level of insurance coverage you need when renting a car, take the time to review these tips from the National Association of Insurance Commissioners:

Rental agencies typically offer four types of insurance: collision damage waivers (also known as loss damage waivers), liability insurance, personal accident insurance and personal effects coverage.

Drivers who have comprehensive and collision coverage on their cars usually can forgo collision damage waivers. If your auto insurance already offers liability protection, you probably can afford to skip the liability insurance.

Personal accident insurance should be purchased separately only if you are not adequately covered by your car insurance or health and disability insurance. And personal effects coverage generally is not required if you already have renters or homeowners insurance.

If your auto policy does not provide rental-car coverage, you could save money by requesting an “insurance rider” from your insurance company rather than purchasing coverage through a rental agency.