Rental cars are expensive. Yes, no matter how much I search rental cars come with a hefty fee. We are traveling soon and are in need of a rental car for 10 days. The last time we rented a car I was unprepared. I booked the car ahead of time online with the best deal I could find. We ended up paying $150 more when we picked up the car due to fees and insurance.
This time I called my insurance company and asked them if they will cover my rental car. Sure enough, they do! My insurance company will cover the cost of the car repairs if we were to get in an accident. They will not cover the additional rental car fees if the car cannot be returned on time to the rental car company.
If you are renting a car, call your insurance company and find out what they will cover. When you go to pick up the rental car, be prepared. They will ask you to add options and coverage that you may not need.