National Rental Car Insurance Review [2024]

What You Should Know About National

Our National rental car insurance review goes over everything you need to know about rental car insurance from National. Continue reading to learn what to expect with National Car Rental, from National car rental customer service to National car rental coverage products. To find affordable car insurance for your rental car right away, enter your ZIP code into our free quote comparison tool.

National Rental Car Insurance Pros and Cons

For a quick National rental car insurance assessment, we've listed out the pros of National below.

• Emerald Club perks: National's Emerald Club is beneficial for frequent renters, with free rental days and upgrades.
• Available discounts: National offers a selection of discounts to all renters.
• Coverage options: National offers all the classic rental car insurance coverages.

Of course, there are also some cons of a rental car insurance policy with National.

• No cash payments: National only allows credit and debit payments to rent a car, so you can't pay with cash.
• Negative reviews: National has some negative customer reviews for a number of issues, such as requested cars not being available.

You can learn more about National car rental complaints in the next section.

National Car Rental Customer Service and Complaints

Some negative National car rental reviews center around requested cars not being available, charge holds, unclear fees, and overall poor customer service. However, bear in mind that J.D. Power gave National a good customer service review, so most customers are pleased with National's customer service.  

National Insurance Coverage Options

Types of National Rental Car Insurance Coverage

There are a number of National car rental coverage options. These coverages boil down to the following:

• LDW: A National car rental damage policy that protects renters from having to pay most or all of the repair bills after covered damages.
• SLP: A National car rental personal accident insurance that adds more bodily injury and property damage liability coverage to a rental car.
• PEC: National coverage that insures your personal items in the car.
• RSP: Coverage that helps pay for roadside assistance for your rental car.

In the next section, we will break down these coverages' costs by showing the National car rental insurance cost per day.

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National Insurance Rates Breakdown

National Rental Car Insurance vs. The Competition

To see how National's rates stack up to the competition, take a look below. [table id=6186 responsive=scroll /] Enterprise and Hertz have cheaper rates for CDW than National but similar rates for other coverages. Read more in our Budget rental car insurance review  and  Hertz rental car insurance review.

National Discounts Available

Benefits of National Car Rental Loyalty Programs

One of National's main perks is its Emerald Club for frequent renters, as it is one of the best car insurance loyalty rewards programs. There is no National Emerald Club membership fee — rather, you pay with credits you earn from renting cars through National. The National car rental loyalty program also makes it easy to redeem credits. You can look up the specifics of how to redeem National Emerald Club points on National's website, but it is as easy as signing into your account and redeeming credits.

National Rental Car Discounts

See how National's car insurance discounts compare to other popular companies. [table id=7398 responsive=scroll/] National offers one of the highest government/military discounts.

Other Ways to Save on National Rental Car Insurance

If you have rental car reimbursement coverage on your primary insurance policy and are renting a car under a covered claim, it may help pay for your National rental car (learn more about primary and secondary coverage in our guide to primary vs. secondary car insurance). [quote_expert_blockquote style="2" headshot="https://dev.carinsurancecomparison.com/Images/Daniel-Walker-300x300-1.jpg" name="Daniel Walker " title="Licensed Insurance Agent " quote="Most car insurance companies will extend coverage to cover rental cars, negating the need to purchase rental car insurance. However, it is always wise to double-check. " /] For example, if you have Progressive rental insurance, there may be Progressive car rental discounts you can use on National car rentals.

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