Having primary rental car insurance can save you time, money, and stress here are the top credit cards that offer it

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Car rental companies are going to try to get you to pay for their insurance, but you're probably already covered with the credit card you used to pay for the rental.

While secondary car rental insurance is a nice credit card benefit, primary insurance is even better. It's available on the Chase Sapphire Preferred Card, the United Explorer Card, and several other cards.

Credit cards' primary insurance steps in to cover damage or theft of a rental car without you having to file a claim through your personal auto insurance policy which has the risk of raising your premium .

While primary car rental insurance usually covers loss and damage, you generally need another auto insurance policy to cover injury and property damage liability. Always make sure to read the terms and conditions so you're aware of any limitations.

See Business Insider's list of the top rewards credit cards.

Many people already know that they have some kind of rental car coverage on at least one of their credit cards. Rental car insurance is a great benefit because it can save users significant money in the case of an accident, damage, or theft to the rental car. But most people don't know that there are two types of car rental insurance and the details live where easily overlooked information always does: in the fine print.

Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back. See the rest of the story at Business InsiderNOW WATCH: Behind the scenes with Shepard Smith the Fox News star who just announced his resignation from the networkSee Also:If you're looking to pay off your credit card debt in 2020, these are the 9 best cards with intro APR offersReview: The Southwest Performance Business card offers valuable frequent-flyer perks and you can currently earn the Companion Pass with its sign-up bonusBucket-list travel experiences like Singapore Airlines' first-class suite cost thousands of dollars, but they're much more attainable if you earn credit card pointsSEE ALSO: All our credit card reviews from cash-back to travel rewards to business cards in one place

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