Insurance from a rental car agency may be more than an upsell when you are renting a car; it could be an option for filling in the gaps.

Based on the average auto policy, the extra insurance being sold by the rental company could cover the difference between the depreciated value in your insurance company contract and the actual replacement costs and diminished value in the rental company contract.

Your carrier may have options available to cover the rental car gap for an additional charge. Contact your agent to review your current auto coverages and learn if this option is available through your carrier.