Planning a trip that includes a rental car? Finding the right size car is easy, but what about insurance add-ons? Should you buy the added coverage? Or are you already covered with your own policy? And If you think your credit card will always cover you, think again.

Consumer Reports reveals money-saving tips on rental car insurance.

Consumer Reports says before you rent a car check for coverage under your personal auto insurance. And also, through the credit card you`ll use. Credit cards can change their terms.

For instance, Discover recently stopped offering rental car insurance altogether. American Express, Chase and Citibank still do offer it, but check their terms and limits. If a credit card is your primary coverage, there could be a benefit to using it.

Should there be a claim, the credit card insurance could be in line to cover it and your own auto insurance rates may not change.

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